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.

Devin Ryan Let me help you through the process

Devin Ryan Headshot

Phone: (413) 200-3846

Cell: (860) 707-3023

Email: dryan@polarishomeloansllc.com

NMLS: 2155528  View Licensed States 

Hi, I'm Devin, a licensed mortgage expert, and regional loan officer with 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 should expect a dedicated, straightforward experience that educates and empowers you to make the best decision. My goal is to move you closer to attaining all your financial ambitions. I look to establish lasting relationships with my clients, and I want to be someone they know and trust. My clients are left with no doubt that I am in their corner every step of the way. You need someone who can clearly explain your options, answer your questions and provide you with insight, and I look forward to filling that role.

Book an appointment below, or feel free to give me a call or shoot me an email now to get the ball rolling!

A little about me to help you get a sense of who I am.  I grew up in Enfield, CT and I have a degree in business administration.  I stayed local and remained in CT, where I love hiking, playing basketball, and cliff jumping!

I come from the underwriting and insurance fields, where I witnessed how important it is for consumers to understand the financial products they rely on. I became a loan officer because I saw an opportunity to help those same consumers directly. As a loan officer, I can apply my knowledge for the benefit of my clients, which is something I take great pride in. I love the challenges and problem-solving required to find my clients the best and most creative solutions. I am committed to helping my clients tackle the process efficiently and conveniently. I focus and commit to quality communication and stick by you through every step of the process. Get in touch, and let me show you firsthand what an excellent borrowing experience looks like.

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)?

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
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