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.

Joe Brousseau Let me help you through the process

Phone: (617) 485-1238

Cell: (413) 478-0450

Email: jbrousseau@polarishomeloansllc.com

NMLS: 2022681  View Licensed States 

Hi, I'm Joe, 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 an experienced loan officer who aims to simplify the process. I know how serious these financial decisions can be, and I know how important it is to you to get them right. At Polaris, we are a family, and we aim to make every borrower feel like they are part of that family. I look forward to learning more about you and how I can be of service. Call or shoot me an email today to get the process started!

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

First, a little about me to help you get a sense of who I am. I was born and raised in South Hadley, MA.  I graduated with a Business and Marketing Degree from Springfield College in Springfield, MA. I have done my share of traveling, but I still live right here in Western MA. My wife, Kelsey, and I love the area and spending time with our dog, Brouss, and our two cats, Tom and Walter.

I truly enjoy working directly with customers in the finance industry, and I have been a licensed Loan Officer since 2020.

Professionals in the finance industry have always surrounded me. Their success and passion for what they do attracted me to the industry and led me to where I am today.

I became a Loan Officer because I wanted to be the driver of customer success stories. I was confident that I had the skills to help people make better financial choices, and I wanted to put that into practice. Now I specialize in leading customers through mortgage experience. For everyone I work with, my goal is to give an exemplary experience that we can all be proud of at the end of the day. Loans can be complicated, and I pride myself on making the process easier and less stressful.

When I am not busy saving people money on their mortgages, I like to travel and see new places, cheering on Boston Pro Sports Teams, or getting in quality time with Kelsey, Brouss, Tom, and Walter!

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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