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: Yellen Passes Without a Trace. What Now?!
8/26/2016 2:01 PM
Posted To: MBS CommentaryAll eyes were on Yellen's 10am speech from Jackson Hole, then all eyes were closed as traders fell asleep from boredom. Yellen said nothing we didn't already know, although one headline (about the case for a rate hike being stronger) sent rates initially higher. Once market...Read More
Mortgage Rates Slightly Higher After Fed Speakers
8/26/2016 9:54 AM
Posted To: Mortgage Rate WatchMortgage Rates were unchanged to slightly lower this morning following the much-anticipated Jackson Hole speech from Fed Chair Janet Yellen. Markets were looking for clues about upcoming rate hikes, but true to form, Yellen played things close to the vest. Underlying bond markets i...Read More
PMI Insurers Winning FHA Smackdown
8/26/2016 8:08 AM
Posted To: MND NewsWireAmong the charts and tests summarizing most of the housing finance news that emerged during July, the latest issue of the Urban Institute"s (UI"s) Housing Finance Chartbook contained a few unique visualizations. First, loans featuring coverage by private market insurers (PMI) surpassed the market s...Read More
HARP Extended; Continued Conventional Conforming Changes
8/26/2016 8:05 AM
Posted To: Pipeline Press“Rob, have you seen any place where I can see individual lender stats for VA loans?” Sure. Here it is . Knock yourself out. For you CFPB watchers, it has ordered First National Bank of Omaha to provide $108 per head, or $27.75 million, in relief to roughl...Read More
MBS Day Ahead: Today Does Absolutely Nothing For Bigger Picture
8/26/2016 3:31 AM
Posted To: MBS CommentaryAll too many lookers on--myself included--have made far too much of today's Jackson Hole speech from Fed Chair Yellen (11am ET, we're led to believe). I'm here to make amends for that. It's not that Yellen's speech can't or won't matter. Indeed some of t...Read More
MBS RECAP: Markets Offer No Sign of Pre-Yellen Tilt
8/25/2016 3:14 PM
Posted To: MBS CommentaryAs we discussed this morning, sometimes markets will take a "lead-off" ahead of a big potential market mover if there's an underlying predisposition that traders have been 'hiding' (for lack of a better term). This has resulted in some surprisingly big moves a...Read More
Flat Mortgage Rates Meet Big Potential Volatility
8/25/2016 2:22 PM
Posted To: Mortgage Rate WatchMortgage Rates were unchanged , yet again, keeping alive an uncanny streak of lifelessness. That COULD change tomorrow after Fed Chair Yellen"s speech at the Jackson Hole symposium, but please note the emphasized word. This is always the case when it comes to big potential market m...Read More
New HARP Kills Cut-Off Date, But You Have to Wait
8/25/2016 12:57 PM
Posted To: MND NewsWireWhile implementation is a ways down the road, both Fannie Mae and Freddie Mac (the GSEs) will offer new streamlined refinance options aimed at borrowers with high loan-to-value (LTV) ratios. The Federal Housing Finance Agency (FHFA), conservator of the GSEs, announced on Thursday that the new produ...Read More
Cash Sales Retain Elevated Share of Market
8/25/2016 12:06 PM
Posted To: MND NewsWireWhile the both the investor share of home sales and the share represented by distressed properties are setting post-crash lows, the share of cash sales remains elevated . CoreLogic reports that in May cash sales represented 30 percent of home sales. While this was down 1.7 percentage points from Ap...Read More
Appraisal Trends; Fannie & Freddie - Never a Dull Moment
8/25/2016 8:08 AM
Posted To: Pipeline PressHow’d you like to work for a company that was in the press nearly every day – rarely in a good way? How’d you like to work for a company whose future is uncertain, and anyone with a keyboard can comment on it? How’d you like to be thought of a...Read More

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