Buying a home? Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Kristin Rim Let me help you through the process

Phone: (951) 758-7992

Cell: (951) 741-2269

Email: krim@polarishomeloansllc.com

NMLS: 2230086  View Licensed States 

Hi, I'm Kristin Rim, 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 count on having fast and reliable communication paired with exceptional personalized service. I understand the importance of urgency in the home buying process and will work tirelessly to keep your loan moving. I became a Loan Officer to help educate and walk you through the loan process, with the ultimate goal of supporting you in getting your loan approved and funded with as little stress as possible!

A little about me:  I grew up in Corona, CA, and graduated with a bachelor's degree in Psychology from the University of California, San Diego. I currently reside in Costa Mesa, CA but during the baseball season, you may find me in Minneapolis, MN with my husband, Hank, who coaches for the Twins.  When I'm not helping people save money on their mortgage, I enjoy spending time watching the Twins, exploring new cities, and trying new food and restaurants!  I am passionate about both real estate and finance. I work with my clients to help them identify opportunities for them to improve their financial situations or grow their wealth through quality mortgage and financing programs.

Reach out today and build your path to successful home financing!

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)?
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