Buying a home? Need a lower rate or monthly payment right NOW!

Get a FREE quote on a home refinance that could save you thousands of dollars per year.

Cindy Foit Let me help you through the process

Phone: (904) 289-5272

Cell: (904) 999-9074

Email: cfoit@polarishomeloansllc.com

NMLS: 334577  View Licensed States 

Hi, my name is Cindy Foit, I am a licensed loan officer in the Jacksonville, FL branch of Polaris Home Loans, LLC.

This is my personal Loan Officer Landing Page, where you can find out a little bit more about me and how I can potentially help you with your home loan needs.

If you choose to work with me, you'll get someone who is committed to delivering exemplary service, top-notch communication, and a personal level of support that can be hard to find these days. I started in the financial industry helping people find ways to avoid foreclosure and stay in their homes. Now I work with people to identify sustainable mortgage solutions to finance the home of their dreams. I have developed a passion for helping families and individuals discover and educate themselves on mortgage possibilities and opportunities they don't realize they have access to. In an ever-changing market, it's important to have an ally on the inside of the industry that you can trust to keep you up to date on your best options. I can be that advocate and work to help you achieve your homeownership dreams!

A little about me to help you get a sense of who I am.  I am originally from WI and then IN but then moved to Jacksonville, FL in 2017.  When I am not spending my time helping people save money on their mortgages, I love to bike and swim! I can't get enough sun! I am also a bit of a "foody".

I have been in the industry now for over 20 years. My experience and knowledge can help guide you through your mortgage journey. Contact me and get started today, with someone you can trust. I look forward to hearing from you!

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The Home Purchase Loan Process

Here's how our home purchase loan process works:

  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

 

Do I qualify to buy a home?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request. 

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

The Home Refinance Process

Here’s how our home refinance process works:

  • Complete our simple home refinance analysis request.
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
  • Find out if you qualify to eliminate PMI (Private Mortgage Insurance)?
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