Need some cash for your dream house?

Don’t worry, we’ve got you covered. Our home loans are so quick and easy, you’ll be moving in before you know it. No hassle, no stress, just a simple application and a friendly smile. Trust us, we’re the best in the business.

I’m looking to buy I want to refinance

Not sure where to start? Contact us today.

One of our trusted Loan Officers will reach out to answer any questions you may have.

What Are You Looking For?

Pre-approval
Letter

Ready to purchase and don’t want to wait? Our mortgage experts are ready to get you approved now!

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First time buyer help

Learn our simple step-by-step process to getting approved for a home purchase.

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Talk to a Local expert

Our mortgage experts are excited and ready to listen to your story and get your approved for a home loan.

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4 Steps of Home Purchasing

Step 1

Determine budget and save for a down payment

Before you even start looking at homes for sale, it’s important to determine your needs and budget. Then start saving up for that down payment.

Step 3

Connect with an agent, make an offer, and contract

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.

Step 3

Get pre-approved

Apply for your mortgage with Guaranteed Rate. Know your buying power, monthly payment options, and show sellers that you’re serious with a pre-approval letter.

Step 4

Contingencies, appraisal, underwriting, close, move

Once an offer’s accepted, the home needs to be appraised. Next, underwriters check over the financials before clearing you to close. Then it’s time to sign and move in.

What Mortgage Is Right For Me?

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Customer Dedication

600+
Happy Clients
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Chip was awesome to work with. He is very knowledgeable and guides you every step of the way. He was quick to answer any questions and provided great communication with us throughout the loan process. We highly recommend Chip!
Carrie Raulston
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Chip helped my wife and I buy our first home in Pennsylvania while we were still living in San Diego. Although we never met in person, I could tell he was an awesome guy and helped us with every step in the process. He got us a good rate, better than I anticipated, and was always willing to answer all the weird non sense questions I came up with.
Cody Holder
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Chip is super friendly and helped find the right refinancing choice for us based off of our financial goal of reducing our monthly payment. The process was painless and is saving us several hundred dollars a month! Thanks for being so friendly, honest, and non-salesman-y! I’ve already recommended him to my family and friends
Victoria Fitzgerald
High angle crop professional female psychotherapist with pen and notepad listening attentively to client during psychotherapy session in light studio

FAQs

There are many great reasons for refinancing, including:

  • You’d like to lower your interest rate or monthly mortgage payments
  • You need cash, fast
  • You’d like to consolidate debt
  • You’re looking to shorten your payback term
  • You want to switch from a variable-rate to a fixed-rate mortgage to create regular, predictable payments
  • You’d like to get a variable-rate mortgage with better terms

Everyone’s financial situation is different, so it’s important to figure out what you can comfortably afford to borrow, which depends on four factors:

  • Your debt-to-income ratio (your total monthly payments as a percentage of your gross monthly income)
  • Cash you have available for a down payment and closing costs
  • Your credit history
  • The value of the home you’re buying

Pre-approval is more involved and carries more weight than pre-qualification.  With Embrace, this process will be as simple and streamlined as possible so you can start finding your new home. We’ll calculate the specific mortgage amount for which you are approved. You’ll also have a better idea of the interest rate you will be charged on the loan and, in some cases, you might be able to lock-in a specific rate. With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level. Obviously, this puts you at an advantage when dealing with a potential seller because it’s clear you are very close to obtaining the financing you need.