The name says it all. Where others put their financial gain first, we put YOUR financial goals first.
Between now and Veterans Day (Nov 11), submit an application with us, get great low rates and close in as little as 15 days! You have served our country. Let us serve you by saving money on your mortgage. No income or asset verification; mortgage only credit report. Let's get you started!
Check out our blog for updated information on mortgage related concerns. We will post useful articles related to the mortgage industry and topics valuable to homeowners, such as credit reporting, forbearance/deferment arrangements, things to know in preparing for your mortgage process.
Lower your payment, consolidate debt or do that home improvement you have been waiting to complete. Rates are at historic lows. NOW is the time.
Estimate your mortgage payments and view scenarios with our MORTGAGE PAYMENT PLANNER
Whether it is a purchase, streamline refinance or cash out, our VA loans are second to none for speed, price and service. Over 35% of our originators are veterans and much of our business is done with veterans. We work with you to get the best financial option for your VA loan. Let's get you started!
An IRRL provides a streamlined process for refinancing your VA loan to take advantage of lower interest rates, convert an ARM to a fixed rate or shorten the repayment period - saving you thousands in interest over the life of the loan. Compared to conventional loan refinances, and even to your original VA loan, the IRRL is usually easier, faster and less expensive.
The VA IRRL program is designed to be easier to apply for than other types of refinance loans and often the closing times are significantly shorter. To qualify, there must be a net tangible benefit or a conversion from an ARM to a fixed rate VA mortgage.
Generally, there is no need to verify income, meaning less paperwork to get together for an IRRL. In some cases, no VA appraisal is needed, saving hundreds of dollars and precious time. Many times, the smaller VA funding fee (0.5%) and other costs can be rolled into the refinanced loan, making it possible to get an IRRL with little or no money out of pocket to close.
There are a few rules with the VA IRRL that are important, which we will guide you through. Give me a call or apply online today!
Whether you want to pay down debt or renovate your kitchen, a cash-out refinance can be a powerful tool and can give you the money you need to move towards your goals. If you’re not sure if a refinance is right for you, speak with a financial advisor,
A cash-out refinance can be more beneficial than taking out a personal loan or second mortgage for a number of reasons.
If you are ready to get started, we can help you explore your options. Give us a call today or apply online.
So you have found your dream house, or maybe your next house in the suburbs or that new loft in downtown! Now what? Give us a call! We can guide you through the home financing process for purchases and will help to ensure the home mortgage process goes smooth with you throughout.
It usually starts with a pre-qualification letter you can give your realtor. We work with you to find loan options you qualify for and walk you through options for down payment. But we don 't stop there. Oh no.
While you are finding that perfect home in the best location for you, we work with our underwriters so we know exactly what is needed once the full application is submitted. This can shorten the time to close and can make the home buying process much more enjoyable. Then it is up to you to settle with your spouse the color of the new paint for that one room!
The best you can do is to start early ... not too early, but you must at least be serious about moving and set a target day to move in.
"Not many businesses actually abide by their name, but starting with the ownership, this is truly Integrity FIRST! We just closed tonight and I have already recommended them to friends and family." - TG
"My experience with Integrity First Financial was exceptional ... Five stars without a doubt. The quality of service and caring offered by Integrity First far surpasses their competition." - Gary B
"We've really appreciated the whole service process with your company. So much so, that we already referred you to 4 families, 2 of which are moving forward as well, I believe, with your services." - Christina S
This was the best refinancing experience we have had! ... quick to respond to questions and very caring about our situation. It was also the quickest and easiest refinance we have ever done! I would highly recommend this company. - Kay F
We just completed a VA refinance loan (VA IRRRL) ... We're saving hundreds of dollars a month, without any of the unnecessary fees other lenders wanted to charge us, and without any of the hard sales approaches ... Absolutely the best lender to choose! - Casey L
Highly recommend Integrity First Financial. I have used them a couple of times now and they always get the best deals and are very easy to work with. They will be my go-to for all future mortgages. - Scott M