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.

Joseph L Barhoumi Let me help you through the process

Phone: (413) 200-3848

Cell: (618) 509-2890

Email: jbarhoumi@polarishomeloansllc.com

NMLS: 1986935  View Licensed States 

Hi, I'm Joe Barhoumi, a licensed loan officer with the Springfield, MA HQ 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.

I’m a loan officer out of Southern Illinois and a former business owner. I work with clients all around the country and use my experience in business and in serving customers to my clients' benefit. I am also very accessible, and many clients have mentioned to me that they chose to do business with me because of my responsiveness to their needs. I try to make the home loan process as easy as possible for my clients. I work to communicate with you on your terms. Whether you prefer to text, email, or calls I want you to leave this process thinking this couldn’t have been any easier.

Please reach out anytime for questions or to get started on your mortgage goals.

A little about me to help you get a sense of who I am.  I was born and raised and still reside in Glen Carbon, IL where I have four children Micah, Lucas, Hollyanne, and Justice.

When I am not busy saving people money on their mortgages, I love to spend time waterskiing, fishing, or coaching baseball, and football.

It's always exciting when I get the opportunity to meet new clients. A big part of what I like about what I do is all the opportunities I get to help people reimagine their future and then make it a reality. I have found that people are often surprised at the diversity of solutions available when it comes to traditional mortgages and other home loan products Connect with me today and let's see what's possible for you!

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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