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: Inconsequential Volatility Inside a Range
10/21/2016 3:38 PM
Posted To: MBS CommentaryBonds began the day roughly unchanged and rallied in the morning hours along with European bond markets. Most of the volume was in before 9:45 and the remainder of the day's trading took place inside the range set during the preceding 90 minutes (effective, the first 90 minutes...Read More
Mortgage Rates Unchanged at 2-Week Lows
10/21/2016 2:23 PM
Posted To: Mortgage Rate WatchMortgage Rates held steady today, continuing a much-needed break from the move higher that dominated the first 2 weeks of October. While we"ve only seen modest improvements (or in today"s case, a mere absence of deterioration), it"s been enough to get the average lender back below ...Read More
Housing and Economy Probably Heading Downhill - Freddie Mac
10/21/2016 9:51 AM
Posted To: MND NewsWireDeja vu all over again? Freddie Mac says economic growth is recovering from a weak first half of the year, the labor market is holding steady and Fed watchers are concluding that a rate hike will come in December; worldwide economic growth is weak and appears likely to get worse. The company"s econ...Read More
Starter Home Drought Leaves First Time Buyers Thirsty
10/21/2016 9:40 AM
Posted To: MND NewsWireHousing industry players have decried the absence of first-time homebuyers and the negative impact they have had on the housing recovery. Fannie Mae"s Economic and Strategic Research team, in the most recent edition of Housing Insights , says that this absence, which has long been a result of lack ...Read More
Fannie to Address Reps/Warrants; Ginnie and Streamline Refis; Credit Union Attorney Fees
10/21/2016 9:11 AM
Posted To: Pipeline PressAs thousands of folks prepare to head to Boston for the MBA’s conference, they may be asking, “What’s in my wallet?” Maybe a little less. The average cost of an out-of-network ATM fee in the U.S. is $4.57, making this the tenth consecutive yea...Read More
MBS Day Ahead: Bond Bulls Hope For November Truce
10/21/2016 9:04 AM
Posted To: MBS CommentaryAs can be seen in this morning's chart (and remembered in the hearts and minds of loan originators who closely follow market movements), October has been our least favorite months of the year. September wasn't much better. In fact, we've technically been in an uptrend s...Read More
MBS RECAP: ECB Takes a Pass. Bonds Do Nothing
10/20/2016 3:44 PM
Posted To: MBS CommentaryToday was pretty anticlimactic . Most of my analysis is already available in the Day Ahead . If you're not the link-clicking type, it basically says that the ECB seems set to announce "something" in December. Perhaps that "something" will be its intention to...Read More
Mortgage Rates Lowest in Nearly 2 Weeks
10/20/2016 2:59 PM
Posted To: Mortgage Rate WatchMortgage Rates were lower again today, after the European Central Bank (ECB) avoided sending any scary signals about tapering its asset purchases. Much like the Fed conducted quantitative easing (QE) in the US by buying US-based bonds, the ECB has been buying various European bonds...Read More
More Refis and They"re Taking Longer to Close -EllieMae
10/20/2016 12:00 PM
Posted To: MND NewsWireRefinancing continued to hold its ground during September, rising from 43 percent of all loan originations in August to 45 percent. Ellie Mae"s Origination Insight Report for the month noted that the refinancing share rose one or two points for all loan types and made up 56 percent of conventional ...Read More
Your House is Likely to Outlast You
10/20/2016 11:55 AM
Posted To: MND NewsWireThere is an old saying that they don"t build things like they used to, but it seems that houses at least are still built to last . The National Association of Home Builders (NAHB) says that almost 99 percent of homes that were in the U.S. housing stock in 2011 were still there in 2013. For those st...Read More

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