We'll offer you the best Conventional, FHA or VA home mortgage so you can concentrate on moving into your new home or some extra cash in your pocket from your refinance.  We're here to help you each step of the way from your first call to closing!

If you are in the market to Buy or Refinance Apply Now! 

We're your full service Mortgage Banker for

 Conventional, FHA, USDA & VA loans!  

Buying Now:

Before you start looking for a home, please call us first to get a Pre-Qualification by phone.  We'll help you understand your qualifying power & talk about how to meet your home buying goals.    

Once Pre-Qualified 

Your next step is to get Pre-Approved.  Polaris Home Funding Corp. will gather your financials & get you an written Pre-Approval  giving you the clout of a cash buyer.

Click Here for checklist, once ready give us a call 

Or Apply Now Click Here.

      Trust our team to help you find the best mortgage to fit your needs. "More personal attention" means you enter a frustration-free zone when you get your home loan from us.  We're here to help you each step of the way from Pre-Qualification to Closing!

Refinancing Now:

   call & take advantage of today's super low interest rates! 

 For a Free Home Value check - Click Here

 To start your refinance, Click Here.

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Mortgage News:
MBS RECAP: After Fed, Bonds Tune Out Into Weekend
9/23/2016 2:58 PM
Posted To: MBS CommentaryFor MBS Live members, this recap will largely be a rehash of the day's most recent update which pointed out a consolidative range in force over the past two days. Bond weakened just enough for a small amount of concern earlier today, but a friendly bounce let us know that trade...Read More
Mortgage Rates Lowest in Weeks
9/23/2016 1:38 PM
Posted To: Mortgage Rate WatchMortgage Rates continued steadily lower today, adding to a string of improvements that brings them to their best levels in more than 2 weeks. Rates have now re-entered the narrow "post-Brexit" range that began shortly after the UK"s vote to leave the European Union sent rates plung...Read More
August Refi Surge Reflected in Higher Conventional Lending Share
9/23/2016 9:45 AM
Posted To: MND NewsWireRefinancing jumped to 43 percent of all loans originated in August, a 6 percentage point higher share than in July. Ellie Mae"s Origination Insight Report says this takes the refi share back to a level last seen in March. The share of all loans closed during the month with FHA backing slipped three...Read More
Stearns Picks up KB Home JV; Ocwen News; Impact of Prepayments Increasing
9/23/2016 8:50 AM
Posted To: Pipeline PressWhile the industry is buzzing about how Wells Fargo has unfortunately killed any chance to reform the CFPB (i.e., cutting back its power or structure), and that whoever supposedly prepped Chairman Stumpf for this testimony should be terminated, recently I spent some ...Read More
MBS Day Ahead: No Data, and Maybe Even No Drama
9/23/2016 8:42 AM
Posted To: MBS CommentaryBond markets have been surprisingly calm this week, given what's at stake. 3 weeks ago, we were faced with the new prospect of the European Central Bank potentially lifting its foot off the accelerator of quantitative easing, the new prospect of Japan changing up its stimulus f...Read More
Mortgage Rates Lower as Market Digests Fed
9/22/2016 3:11 PM
Posted To: Mortgage Rate WatchMortgage Rates made more substantial gains today, after financial markets had more time to react to yesterday"s announcement from the Federal Reserve. Although the Fed held its policy rate steady, the bigger story was a sharp downgrade in the longer term rate outlook. In short, the...Read More
Mortgage Prepayments at 3-Year High Thanks to Brexit
9/22/2016 12:45 PM
Posted To: MND NewsWireMortgage prepayments, generally a good indicator of refinance activity , skyrocketed in August. According to Black Knight Financial Services "first look" at its August mortgage data, the Single Month Mortality (SMM) or prepayment rate, fueled by post-Brexit interest rates, rose by 32 percent from J...Read More
"Very Concerning" Inventories and Higher Prices Weigh on Home Sales
9/22/2016 10:09 AM
Posted To: MND NewsWireSales of existing homes slowed for the second consecutive month in August according to data released on Thursday by the National Association of Realtors® (NAR). Sales declined by 0.9 percent to a seasonally adjusted annual rate of 5.33 million units despite mortgage rates that were near record ...Read More
Vendor News; Flood Insurance and Disaster Updates - What About Escrow Accounts?
9/22/2016 9:05 AM
Posted To: Pipeline PressIt’s not that difficult to tell alligators and crocodiles apart. One will see you later; the other will see you in a while. What a difference a word makes, or a term. A while back someone exclaimed, “Hey, let’s put ‘achieving’ in front o...Read More
Home Prices Picked up the Pace in July
9/22/2016 8:54 AM
Posted To: MND NewsWireHome price increases appear to have accelerated in most of the country in July as compared to June according to data released on Thursday by the Federal Home Finance Agency (FHFA). FHFA"s House Price Index was up 0.5 percent on a seasonally adjusted basis from June and the previously reported June ...Read More

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