Low Interest Mortgages to help you out down the road We want to fit you with the financing that will best work for you and your family's needs, to establish your financial security for the future. Our professional team is always available to respond to your questions as quickly as they come up. Refinancing your existing mortgage loan may be used to accomplish different goals depending on your individual needs.
In order to properly apply for a loan we require various documents to get accurate numbers. We ensure that out operation is as secure as possible, including encrypting digital documents and all vital communication. We also believe in being upfront with our clients and basing our service on a single important principle - "put yourself in the client's shoes."
In order to properly apply for a loan we require various documents to get accurate numbers. We ensure that out operation is as secure as possible, including encrypting digital documents and all vital communication. We also believe in being upfront with our clients and basing our service on a single important principle - "put yourself in the client's shoes."
Services
We are specialists in Purchases, Refinances, Home Equity loans, Investment property purchases/refinances, multi-unit property refinances/purchases, less than perfect credit purchases/refinances, past bankruptcy and foreclosures, and private money loans. So whether you are buying your first home, upgrading to your dream home, we have the knowledge to make it all come together.
The world of mortgages can be very frustrating and confusing because there are literally thousands of programs available to homeowners. Every day you are offered new options. Being a homeowner, your home is your biggest asset; it is often times your biggest liability. The information contained in these pages are just brief descriptions and might not be exactly what you were looking for.
When considering the purchase of a new home the first step is to get pre-qualified. This will tell you exactly how much you qualify for, your payment, rate, and term. The pre-qualification step takes only a few hours and will save you a tremendous amount of time looking at homes that may be below what you qualify for, or above what you can qualify for.
FHA loans serve a great purpose, lower interest rates and more flexible underwriting guidelines. The minimum down payment is 3.5%, and some of the closing costs may be paid by the seller when purchasing a home. Thinking of refinancing you FHA loan, reach out to one of our Customer Care Directors to see what options would be best for you.
VA loans are available to individuals who have or currently are enlisted in the military. VA loans offer an individual the opportunity to put zero money down when purchasing a home. VA loans can also be streamlined later on when refinancing to lower the rate of interest. When purchasing a home, VA loans offer the borrower a loan with less stringent credit and asset requirements as well.
Reviews (10)
Elizabeth Linn
Dec 29, 2021
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Kaitlin Foulkrod
Nov 29, 2021
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Mark McLaughlin
Apr 22, 2021
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Marcy Edwards
Oct 31, 2020
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Suzanne Jukes
Aug 26, 2019
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Scott Modeer came highly recommended by our real estate agent and we would second that recommendation. He guided us through the difficult maze of the mortgage application process with skill and humor. Scott gave us very clear instructions regarding the myriad of required paperwork. Our mortgage was processed in a very timely manner and we are very happy customers. Thanks Scott! We appreciate your help and guidance. A 5 star job!
Daniel Villegas
Aug 22, 2019
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Kelleen Meister
Jul 08, 2019
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Stephen at OnPoint Financial first helped my daughter when she was buying her first home about 4 years ago. I was so happy with her experience, that when I needed to start preparing to purchase my first home on my own recently, I immediately called Stephen. He is so knowledgeable about financing a home that he can come up with several scenarios for any concern. He is hardworking and honest which I appreciate. He is also available and approachable anytime I have a question. Because of these qualities, Stephen makes the home buying process as smooth as possible. I highly recommend Stephen if you
Kassahun B. Besha
Jul 02, 2019
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Michael Sgro
Jun 06, 2019
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Grant Mann
Jun 03, 2019
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Scott Modeer was our senior loan officer, and we were pleased to say the least. Scott was sympathetic and promptly professional considering our situation. I would recommend On Point Financial Services to anybody who is looking to purchase real estate.
Thanks Scott, you and your team really did a great job!!
Thanks Scott, you and your team really did a great job!!
