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Mortgage Loan Programs in Hawthorne Terrace, CT
Mortgage Experts in Hawthorne Terrace, CT
Gotta Get A Mortgage in Hawthorne Terrace, CT?
At Summit Funding in Hawthorne Terrace, CT, we proudly serve our customers with top-notch customer service. We have earned a reputation for our level of commitment to our customers, with a team of dedicated mortgage experts who will work with you to provide personalized service and help you find the perfect mortgage to get you into your dream home. We aim to help Hawthorne Terrace, CT borrowers find the best possible financing solution with the lowest rates.
Summit Funding offers a diverse range of residential loan products, including conventional mortgages, government-backed loans, refinances, equity loans, and construction loans.
Loan Solutions in Hawthorne Terrace, CT
Buying a home in Hawthorne Terrace, CT can be an exciting, but overwhelming experience. If you are ready to buy a home, Summit Funding will help you understand your loan options. Government-backed loans like FHA and USDA loans are popular among first-time buyers in Hawthorne Terrace, CT and those with a low down payment, while conventional mortgages work well if you have excellent credit and a 20% down payment.
Regardless of your situation, we offer a wide range of loan solutions and a loan officer in Hawthorne Terrace, CT will work with you to identify your needs and choose the right form of financing.
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The Loan Process in Hawthorne Terrace, CT
To help you better understand the mortgage process in Hawthorne Terrace, CT, Summit Funding has compiled resources for your benefit. These resources explain common mortgage terms, the documents you will need to get approved for a mortgage, and how the closing process works.
Hawthorne Terrace, CT Mortgage Options
Summit Funding offers a diverse selection of home loan programs in Hawthorne Terrace, CT and we are committed to making your home buying experience as easy and stress-free as possible. Our licensed, Hawthorne Terrace, CT loan officers will help you understand these options, answer any questions you have, and help you qualify for a mortgage.
Conventional Mortgages
A conventional home loan is not backed by the government. This option usually gives you the lowest interest rate and payments if you have excellent credit and a 20% down payment.
Fixed Mortgages
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan. This results in a predictable payment for long-term stability.
Jumbo Mortgages
Jumbo loans exceed conforming loan limits in your area, allowing you to take out a larger mortgage and buy your dream home.
FHA Loans
FHA insured mortgages in Hawthorne Terrace, CT are popular with first time buyers as they require a down payment as low as 3.5% with looser credit standards.
FHA 203k Loans
If you want to buy a fixer-upper in Hawthorne Terrace, CT, an FHA 203k loan allows you to combine the purchase price and repairs into a single mortgage.
FHA Streamline Refinance
If you have an FHA mortgage, this streamline program is the fastest and easiest way to refinance into a lower interest rate in Hawthorne Terrace, CT.
Refinancing Loans
Want to lock into a lower rate or access equity in your home? Learn about your refinancing options with Summit Funding.
Reverse Mortgages
A reverse mortgage allows seniors to remain in their Hawthorne Terrace, CT home and access the equity in their home as a lump sum or monthly payment. With a reverse loan, you will not make any mortgage payments.
Seller Assisted Loans
A seller carry back allows the seller to hold the mortgage for the loan, while the borrower makes mortgage payments to the seller.
Adjustable Rate Mortgage (ARM)
An ARM usually has a lower interest rate than a fixed mortgage, at least in the beginning.
HARP Program
The Home Affordable Refinance Program allows you to refinance your home loan, even if you are underwater on the loan.
VA Loans
VA mortgages in Hawthorne Terrace, CT are usually the best option for qualified veterans, active duty military members, and others who qualify. This loan program requires no down payment and no mortgage insurance.
About us
Most of our business comes from referrals and we believe in building trust with our clients. Our mission is to give you the information that will help you make the best decision for YOU. We pride ourselves in delivering ethical and professional counsel, and that is why each year we continue to grow, helping home buyers get the best loan terms available.
Summit Funding Registered Mortgage Broker (NMLS #52081)
New York State Department of Financial Services
7030 137 Street, Flushing, NY 11367
Summit Funding Licensed Correspondent Mortgage Lender (NMLS #301151)
New Jersey Department of Banking and Insurance
100 Challenger Road #402, Ridgefield Park, NJ 07660
Summit Funding Inc, Your Mortgage Professionals Licensed Mortgage Broker (NMLS #84943)
State of Connecticut Department of Banking
7030 137 Street, Flushing, NY 11367
Summit Funding, Your Mortgage Professionals, Inc. Licensed Mortgage Broker (NMLS #84943)
Florida Office of Financial Regulation
7030 137 Street, Flushing, NY 11367
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