Navigating the mortgage landscape can be complex, but with the right guidance and products, securing your home financing becomes a straightforward journey. Our comprehensive mortgage and refinancing services are designed to help you achieve homeownership or optimize your existing loan with confidence and clarity.
From first-time homebuyers to experienced property investors, we offer a diverse range of mortgage products and refinancing options that align with your financial goals. Our expert advisors work closely with you to understand your unique situation and recommend solutions that maximize your financial potential.
Our Mortgage Products
We offer a comprehensive suite of mortgage products designed to meet diverse homebuying needs. Each product comes with competitive rates, flexible terms, and personalized service to ensure you find the perfect fit for your financial situation.
Fixed-Rate Mortgages
Enjoy the stability and predictability of fixed monthly payments throughout your loan term. Perfect for homeowners who value budget certainty and long-term planning.
- 15-Year Term: Build equity faster with higher monthly payments and significantly lower total interest costs
- 20-Year Term: Balance between affordability and equity building with moderate monthly payments
- 30-Year Term: Maximize affordability with lower monthly payments spread over three decades
Adjustable-Rate Mortgages (ARM)
Take advantage of lower initial rates with ARM products that adjust periodically based on market conditions. Ideal for buyers planning to move or refinance within a few years.
- 5/1 ARM: Fixed rate for 5 years, then adjusts annually
- 7/1 ARM: Fixed rate for 7 years, then adjusts annually
- 10/1 ARM: Fixed rate for 10 years, then adjusts annually
FHA Loans
Federal Housing Administration loans offer accessible homeownership opportunities with lower down payment requirements and more flexible credit standards.
- Down payment as low as 3.5%
- More lenient credit score requirements
- Competitive interest rates
- Ideal for first-time homebuyers
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and qualifying spouses. VA loans provide exceptional terms to honor those who served.
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
Jumbo Loans
For luxury properties and high-value homes that exceed conventional loan limits, jumbo loans provide the financing power you need. These specialized mortgages offer competitive rates for qualified borrowers purchasing premium real estate.
- Loan amounts exceeding $726,200
- Competitive rates for qualified borrowers
- Flexible terms and structures
- Higher credit score requirements
- Larger down payment typically required
- Comprehensive financial documentation
Refinancing Benefits & Options
Refinancing your mortgage can unlock significant financial advantages, from reducing monthly payments to accessing your home's equity. Our refinancing solutions are designed to help you optimize your mortgage and achieve your financial objectives.
Lower Monthly Payments
Reduce your monthly mortgage payment by securing a lower interest rate or extending your loan term, freeing up cash flow for other financial priorities.
Cash-Out Refinancing
Access your home's equity to fund home improvements, consolidate debt, or invest in other opportunities while maintaining competitive mortgage rates.
Debt Consolidation
Combine high-interest debts into your mortgage for a single, lower monthly payment and potentially significant interest savings over time.
Shorten Loan Term
Build equity faster and save thousands in interest by refinancing to a shorter loan term, such as moving from a 30-year to a 15-year mortgage.
Switch Loan Types
Convert from an adjustable-rate to a fixed-rate mortgage for payment stability, or vice versa to take advantage of lower initial rates.
Remove PMI
Eliminate private mortgage insurance once you've built sufficient equity in your home, reducing your monthly payment and overall loan costs.
Current Mortgage Rates
Rates as of October 15, 2024. Rates shown are for informational purposes and may vary based on credit score, loan amount, property type, and other factors. Contact our mortgage advisors for personalized rate quotes.
*Monthly payment based on $300,000 loan amount with 20% down payment (except FHA: 3.5% down, VA: 0% down). Does not include taxes, insurance, or HOA fees.
Refinancing Calculator
Use our interactive calculator to estimate your potential savings from refinancing. Input your current loan details and see how different refinancing scenarios could impact your monthly payment and total interest costs.
Current Loan Details
New Loan Details
Step-by-Step Application Guide
Our streamlined mortgage application process makes securing your home loan simple and transparent. Follow these steps to move from pre-qualification to closing with confidence.
Pre-Qualification
Complete a quick online form or speak with an advisor to get an estimate of how much you can borrow based on your income, assets, and credit profile.
Document Submission
Gather and submit required documents including pay stubs, tax returns, bank statements, and employment verification through our secure online portal.
Underwriting Review
Our underwriting team carefully reviews your application, verifies information, and assesses your creditworthiness to determine loan approval.
Closing
Review and sign final documents, pay closing costs, and receive your keys. Your dedicated advisor guides you through every detail of the closing process.
Pre-Qualification Process
Getting pre-qualified is your first step toward homeownership. This quick process gives you a clear understanding of your borrowing power and demonstrates to sellers that you're a serious buyer.
What You'll Need:
- Personal identification (driver's license or passport)
- Social Security number for credit check
- Employment information and income details
- Asset information (bank accounts, investments)
- Current debt obligations (credit cards, auto loans, student loans)
- Estimated down payment amount
Quick Process: Most pre-qualifications are completed within 24 hours, giving you the confidence to start your home search immediately.
Benefits of Pre-Qualification
Know Your Budget
Understand exactly how much home you can afford before you start shopping.
Strengthen Your Offer
Show sellers you're a qualified buyer, making your offer more competitive.
Faster Closing
Streamline the final approval process with preliminary verification already complete.
Identify Issues Early
Address any credit or documentation concerns before making an offer.
Understanding Closing Costs
Closing costs are fees and expenses you pay when finalizing your mortgage. These typically range from 2% to 5% of the loan amount. Understanding these costs helps you budget accurately and avoid surprises at closing.
Typical Closing Costs Include:
Covers lender's administrative costs for processing your loan application.
Professional assessment of the property's market value.
Protects against title defects and ownership disputes.
Comprehensive evaluation of the property's condition.
Cost of pulling your credit report for loan evaluation.
Legal representation and document review services.
Government fees for recording the property deed and mortgage.
Ways to Reduce Closing Costs
Shop Around for Services
Compare quotes from multiple providers for services like home inspections, title insurance, and homeowners insurance to find the best rates.
Negotiate with Seller
Request seller concessions to cover a portion of your closing costs, especially in a buyer's market or if the property has been listed for an extended period.
Consider No-Closing-Cost Options
Some lenders offer mortgages with no upfront closing costs by rolling them into your loan amount or charging a slightly higher interest rate.
Time Your Closing
Schedule your closing near the end of the month to reduce prepaid interest charges, as you'll only pay interest for the remaining days of that month.
Pro Tip: Review your Loan Estimate carefully within three days of application and compare it to your Closing Disclosure to ensure all fees are accurate and justified.
What Our Clients Say
Don't just take our word for it. Hear from homeowners who successfully navigated their mortgage journey with our expert guidance and personalized service.
"As a first-time homebuyer, I was overwhelmed by the mortgage process. The team at investengine made everything so clear and simple. They walked me through every step, answered all my questions, and helped me secure an amazing rate on my 30-year fixed mortgage. I couldn't be happier with my new home!"
Sarah Martinez
First-Time Homebuyer
"Refinancing with investengine was the best financial decision we've made. We lowered our monthly payment by $450 and shortened our loan term from 30 to 20 years. The process was incredibly smooth, and our advisor kept us informed every step of the way. Highly recommend their refinancing services!"
James Thompson
Refinancing Client
"As a veteran, I was thrilled to learn about VA loan benefits. The investengine team helped me secure a VA loan with zero down payment and no PMI. Their expertise with VA loans made the entire process effortless. I'm now a proud homeowner thanks to their dedicated service and knowledge."
Michael Rodriguez
VA Loan Recipient
"We needed a jumbo loan for our dream home, and investengine delivered exceptional service. They secured competitive rates and guided us through the more complex requirements with patience and expertise. The closing process was seamless, and we're now enjoying our beautiful new property."
Emily Chen
Jumbo Loan Client
"The FHA loan program made homeownership possible for us with just 3.5% down. investengine explained all our options clearly and helped us understand the benefits and requirements. Their support throughout the application and approval process was outstanding. We're grateful for their expertise!"
David Patel
FHA Loan Borrower
"Cash-out refinancing allowed us to fund our home renovation and consolidate high-interest debt. The investengine team calculated the numbers and showed us how much we'd save. The entire refinancing process took less than 30 days, and we're thrilled with the results. Professional service from start to finish!"
Lisa Williams
Cash-Out Refinance Client
Home Equity Solutions
Your home's equity is a valuable financial resource. Whether you're planning major renovations, consolidating debt, or funding education expenses, our home equity solutions provide flexible access to the wealth you've built in your property.
Home Equity Loan
Receive a lump sum with a fixed interest rate and predictable monthly payments. Ideal for one-time expenses like major home improvements or debt consolidation.
Key Features:
- Fixed interest rate for payment stability
- Borrow up to 85% of your home's equity
- Terms typically range from 5 to 30 years
- Interest may be tax-deductible (consult tax advisor)
- No restrictions on how you use the funds
Best For: Homeowners who need a specific amount for a defined purpose and prefer the certainty of fixed payments.
Home Equity Line of Credit (HELOC)
Access a revolving line of credit that you can draw from as needed. Perfect for ongoing expenses or when you're unsure of the exact amount you'll need.
Key Features:
- Variable interest rate tied to market conditions
- Draw period typically 5-10 years
- Repayment period typically 10-20 years
- Only pay interest on the amount you borrow
- Flexibility to borrow, repay, and borrow again
Best For: Homeowners with ongoing or variable expenses who want the flexibility to access funds as needed over time.
Calculate Your Available Equity
To determine how much equity you can access, use this simple formula:
Available Equity = (Home Value × 85%) - Current Mortgage Balance
Example: If your home is worth $400,000 and you owe $250,000 on your mortgage, you could potentially access up to $90,000 in equity ($400,000 × 0.85 = $340,000 - $250,000 = $90,000).