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.

Katie Beliveau Let me help you through the process

Katie_Beliveau_HS

Phone: (351) 277-2963

Cell: (413) 240-8515

Email: kbeliveau@polarishomeloansllc.com

NMLS: 2056769  View Licensed States 

Hi, I'm Katie, 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'll get a partner and guide for mortgage success. My clients get my full attention and my commitment to quality communication. I'm dedicated to doing all I can to help move my clients closer to their financial ambitions. I look forward to learning more about you and how I can be of service. Reach out to me today and let's see how I can help!

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 Springfield Massachusetts, where I also attended college and received a degree in Rehabilitation and Disability Studies.

I now reside in Wilbraham, MA with my husband Josh and our Daughter Remi. We also have two dogs, Beau and Everly!

I became a loan officer because I wanted a career where I could make a meaningful difference in people’s lives. I want my efforts each day to be going towards helping somebody achieve their goals. Mortgages are substantial investments, and they have the power to change lives for people. I enjoy being the person to help regular consumers take their power back through an effective financial plan.

When I am not busy saving people money on their mortgages, I like to spend time shopping at Target, home decorating, or enjoying Mexican food!

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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