Mortgage West

Lane Adler is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. He will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Lane Adler can help you find the right loan program at the lowest rate no matter what your needs are.The goal here at Mortgage West is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.

The HARP 2.0 program is also known as, "Making Home Affordable, the Obama Refi." In order to be eligible for the HARP refinance program: Your loan must be backed by Fannie Mae or Freddie Mac. Current LTV (loan to value) must be greater than 80%. Must be current with no past due payments in 12 months.

Conventional Loans are mortgage loans offered by non-government sponsored lenders such as a Mortgage Broker or Bank. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.

A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.

Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans. Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes. Typically Jumbo Loans require a higher down payment than traditional loans.