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.

Jeff Cahill Let me help you through the process

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Phone: (413) 200-3824

Cell: (413) 364-6230

Email: jcahill@polarishomeloansllc.com

NMLS: 1591827  View Licensed States 

Hi, I'm Jeff, a licensed mortgage expert and regional loan officer with Polaris Home Loans, LLC.

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

If you choose to work with me, you'll get a true partner in the process. With a mortgage being one of the most substantial transactions of a lifetime, you want to find someone you can trust to help you understand all the varying aspects and factors that can determine or undermine the success of the investment. I empower my clients by presenting and explaining creative solutions to common obstacles.  At Polaris, we are honored each time we can contribute to someone's homeownership dream coming true. We enhance the experience with a laser focus on providing first-rate customer service to every client.

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 Northampton, MA, and I have a degree in Economics. I now reside in Westfield, MA, with my wife Brandi and our three children (Kailahni, Korbin, Kyeli) along with two cats (Cooper and Maxwell) and a dog (Marley)!

I have always enjoyed the satisfaction of helping someone and strive to exceed their expectations. Nothing pleases me more than finding meaningful and impactful mortgage solutions for current and soon-to-be homeowners. I have been a licensed Loan Officer for over five years.

A friend of mine thought my personality and attention to detail would work well in the industry. He was right, and I quickly turned a new passion into a successful and rewarding career.

As a Loan Officer, I dedicate myself to lending my expertise and industry knowledge to help you find a financial solution that makes sense. Lines of communication are always open, and our comprehensive resources are always available to you. Let's spend some time discussing where you have been, where you are at, and where you would like to end up on your journey to financial sustainability, and I will do all I can to get you there. Mortgage loans can be complicated, and with all the options available today, it's essential for you to find someone you can trust to guide you through the process. Reach out today, and let me show you what a difference excellent customer service can make.

When I am not busy saving people money on their mortgages, I like to spend time playing golf, cooking great food, or finding new and exciting places to travel with my family!

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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