Buying a home

Looking to buy your dream home? Our home purchase loan options offer competitive rates and flexible terms to help you make your dream a reality.

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What is Your Scenario?

Have you served in the military?

A VA loan offered by Polaris Home Funding Corp. is a low or zero-down payment mortgage option offered to eligible veterans and active duty service members.
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Need flexible down payments options?

Discover the flexibility and benefits of FHA Loans offered by Polaris Home Funding Corp, designed to make homeownership.

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Rural search with low down payment?

Experience the ease and benefits of a USDA Rural Development loan with Polaris Home Funding Corp. 

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Conventional Loans

Explore the versatility and stability of Conventional Loans with Polaris Home Funding Corp.

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Our Mortgage Solutions

Discover the perfect mortgage solution tailored to your home buying needs. From competitive rates to personalized service, we're here to guide you every step of the way on your journey to homeownership. Explore our range of loan options and start your search for the perfect home today

Your Step-by-Step Guide

Your Step-by-Step Guide

Whether you're prepared to make homeownership a reality now, in six months, or even a year from now, we're here to ensure you're set up for success on your journey to homeownership.
01

Get Prequalified

If you're feeling confident about your credit and savings, now's the time to explore how much you could invest in a home and connect with a real estate agent.

 
02

Discover your readiness

If you've accumulated some savings and your credit score is above 580, getting prequalified is an excellent method to assess your readiness.

 
03

Complete Your Home Buying Journey

With pre-qualification taken care of, and your savings in a position for making your dreams a reality, you've got what you need to find and buy your perfect home.
 

Calculate your Mortgage Payment

Take the First Step

Apply Now for Your Mortgage Process!

Take the First Step

Apply Now for Your Mortgage Process!

Commonly Asked Questions

How much home can I afford?

To determine an affordable mortgage for you, you'll need to consider how much you earn each month versus how much money you pay out every month.  Some other factors that can affect the affordability of a home or mortgage are:  Your down payment amount, What type of home loan you take out, How long you plan to pay off your mortgage, Where you want to live, Your Credit Score.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an informal estimate of how much you might be able to borrow, based on basic financial information. Pre-approval involves a more thorough review of your finances by a lender, resulting in a conditional commitment for a specific loan amount.

What type of mortgage is best for me?

The best type of mortgage is different for each buyer as there are many factors involved in evaluating each loan product offered.  Speak with a loan officer today to evaluate which product is best for you.

How much money do I need for a down payment?

You may have heard that you need a 20% down payment to buy a home, but you may be able to buy with as little as 0% to 3% down depending on the loan program you are eligible for.  Speak with a loan officer today to see what your minimum required down payment would be.