Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Ethan Joseph Salata Let me help you through the process

Ethan Salata Headshot

Phone: (413) 200-3995 

Cell: (410) 935-4587

Email: esalata@polarishomeloansllc.com

NMLS: 2087674  View Licensed States 

Hi, I'm Ethan Joseph Salata, a licensed loan officer with the Maryland Center 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 honesty, personalized service, and a positive approach. My job is to educate you on your options and help you determine the best path forward regarding your financial ambitions. I take the success of my clients very seriously and for that reason, I work hard to help move them closer to their goals. It's a privilege to play a part in such an important process for people. I love creating success stories that I and my clients can be proud of. Let's connect today and begin discussing how I can help!

A little about me to help you get a sense of who I am.  I was born and raised in Kensington, MD, and studied at Towson University. I now live in Baltimore with my cat, named Tilley!

When I am not busy saving people money on their mortgages, I like to spend time traveling, exercising, and meeting new people.

I look forward to you reaching out and learning about your specific needs. Reach out today and let's get on a path to a thoughtful and sustainable mortgage program!

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 the 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 the differences between loan programs, allowing you to choose the right one for you whether you're a first-time homebuyer 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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