Mortgage Services

Secure your first loan or refinance with confidence.

Buying a Home

Buying a home is exciting! But it can also feel overwhelming. We're here to make financing it simple, step by step.

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Step 1
Start Your Application

Begin your home loan process by completing the loan application.

Step 2
Upload Documents

Securely provide your financial information.

Step 3
Choose Your Loan

We help you find the mortgage option that best fits your needs.

Step 4
Review Your Payment

See your home price, down payment, and estimated monthly payment.

Step 5
Get Pre-Approved

Move forward with confidence.

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Refinancing a Home

Learn why the average homeowner refinances their house every 3-5 years.

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Reason 1
Save on Monthly Payments

If you secure a better interest rate, refinancing can save you hundreds every month, such as $300 per month when lowering your rate by 1% on a 30-year $500,000 loan.

Reason 2
Access Home Equity

If your home's value increases, such as after remodeling or market changes, refinancing can allow you to access cash in equity.

Reason 3
Shorten Loan Term Flexibly

Refinance into a 20-, 15-, or 10-year fixed loan to shorten your loan term and pay off your home faster.

Reason 4
Save on Total Interest

On a 30-year $500,000 loan, dropping your interest rate by 1% can save about $100,000. Shortening your loan term also helps you pay less interest over time.

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Your Loan Options

Conventional

Standard mortgage that typically requires borrowers to have good credit and stable income.

Jumbo Loans

For higher-priced homes that exceed conforming loan limits.

FHA Loans

For buyers with lower credit scores or smaller down payments.

VA Loans

For veterans, active-duty service members, and surviving spouses.

USDA Loans

For low- to moderate-income buyers in rural areas and certain suburbs.

Non-QM Loans

For borrowers who don’t meet traditional income requirements.

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Mortgage Calculator

Use our calculator to estimate your payment:

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Down Payment
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Loan $280,000
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Monthly Payment

    Documents checklist

    Ready to secure your loan? Use our checklist:

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    Get started at Mardel Realty & Loans today!

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