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.

Kimberly Anne Deden Let me help you through the process

Phone: (949) 606-1218

Cell: (949) 842-2445

Email: kdeden@polarishomeloansllc.com

NMLS: 384085  View Licensed States 

Hi, I'm Kimberly Deden, a licensed loan officer with Polaris Home Loans, LLC.

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

If you choose to work with me, you can expect to be treated like family. Home financing is a big deal that requires attention to detail and careful planning. I work to give my clients the time and attention they need to feel confident in their decisions. My 20+ years of experience in the industry, along with my product knowledge and expertise all work to your advantage as we navigate your options and determine the best path forward. Client experience is a major focus of mine, I am here to make it easier, faster, and less stressful.

A little about me to help you get a sense of who I am.  I grew up in Huntington Beach, CA. I now live in Rancho Santa Margarita, CA with my dog, Rhett, and my boyfriend Justin.  When I'm not helping people save money on their mortgage, I like spending time watching LA Kings Hockey, Live music, and traveling!  I have worked in the financial space for a long time. I also have other family that has worked in the industry for many years. I know what it takes to help people achieve their financial goals. I love helping people realize their full financial potential.

Reach out to me today and let's see what home financing could do for you!

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

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)?
English English Spanish Spanish