What's the Best Home Loan for You?
If you are a first-time home-buyer, or are looking to refinance, you have to make sure you get the lowest rate.
Not sure which loan is right for you?
We offer many loan programs and provide guidance at every step of the process. Contact our office to speak to an experienced mortgage loan officer to get the most competitive rates available.
Common Types Of Mortgages
Conventional Fixed Rate
(30, 20,15,10 year terms)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
VA Government
(If You Served In The Military)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
Conventional Adjustable Rate
(ARM)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
USDA Government
(Rural & Suburban Homebuyers)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
FHA & FHA Rehab Government
(First Time Homebuyer)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
Jumbo Conventional
(Loan Exceeding Conventional Limits)- Rate Stability Through Life Of Loan
- Low/No Down Payment
- More Flexible Qualification Rules
- Mortgage Insurance Required? (less than 20% Equity)
Next Step
Get Pre-Approved
Getting pre-approved is the first step in buying a home. By getting pre-approved, you can:
- Focus on your home search, knowing your financing is in Poli’s expert hands.
- Find out exactly what home price you qualify for and shop with comfort
- Improve your chances for homebuying success, since sellers heavily favor offers with pre-approvals from reputable lenders.
Truth in Lending Act Disclosures. The loan programs and interest rates advertised on this website include additional disclosures required under the Truth in Lending Act (TILA).
Monthly Payments. The monthly payments advertised on this website include Principal and Interest only but do not include taxes and insurance. Therefore, your actual monthly payments will be higher that the Principal and Interest Payments shown in the TILA disclosures above.
Annual Percentage Rate (APR). The APR disclosed is based on the interest rate, points and fees only and does not take into account other loan-specific finance charges you may be required to pay to obtain a mortgage.
Interest Rates and Loan Programs. All interest rates and loan programs are actually available when published, however your final qualifying rate and program may change based on specific information you provide to us in the application process. For example, the interest rate, points and APR may be higher or lower based on a number of factors, such as the,
- state of property location
- loan amount
- loan program
- occupancy
- property/loan to value
- borrower’s credit score and other qualification requirements
Ability to Repay. Poli Mortgage’s underwriting policy is to comply with the Ability to Repay Rule (ATR). This means that when you apply for a loan, Poli Mortgage will make a reasonable and good faith determination to make sure that you are able to pay back the loan. Under the rule, we will generally find out, consider, and document the borrower’s income, assets, employment, credit history and monthly expenses. If you apply for an adjustable-rate mortgage (ARM), Poli Mortgage will not just use the introductory rate to determine whether a borrower can repay a loan. For example, if a mortgage has a low interest rate that goes up in later years, Poli Mortgage will make a reasonable effort to figure out if the borrower can pay the mortgage at the higher interest rate.
FHA Loans. If you are applying for an FHA loan, you will be required to pay an up-front mortgage insurance premium (MIP), which may be financed, or paid at closing. Additional monthly MIP payments will apply to your monthly loan payments. Other conditions may be required by FHA.
VA Loans. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). Eligible VA Loan Applicants will be required to provide a Certificate of Eligibility (COE) from the VA to proceed with VA loan transactions. Other restrictions and limitations may apply.
Loans Subject to Credit, Property and Underwriting Approval. All mortgage loan applications are subject to credit and property approval, along with other underwriting rules and requirements. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply.
Tools and calculators. All tools and calculators provided on our website are included for your convenience to help you to have a general idea of your estimated mortgage costs.
Poli Mortgage Group is proud to stand behind a mission of rates, integrity and service.
Not only are we committed to:
- providing highly competitive rates,
- closing each loan quickly and efficiently,
- serving our customers with the greatest of integrity
we are also seriously invested in the people who represent our company and clientele.
It is our goal to help every customer through the home buying and mortgage loan process as conveniently and affordably as possible.
With Poli Mortgage Group, you’ll receive personalized attention and guidance from trusted loan professionals.
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