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.

Larry Ploof Let me help you through the process

Larry Ploof

Phone: (413) 200-7591

Cell: (802) 310-9235

Email: lploof@polarishomeloansllc.com

NMLS: 284701 View Licensed States 

Hi, I'm Larry Ploof, a licensed loan officer and Regional Sales Manager overseeing a nationwide network of loan officers 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 an experienced loan officer who is committed to consistent support and communication round the clock. I understand that in today's markets, a smooth and error-free process can make the difference in landing the home of your dreams or missing out. I am here to keep you informed and educated on your options and the changing market. I work diligently, using my experience and insight to guide you towards financial stability and achieving your goals. I joined Polaris because I respect and admire their dedication to customer satisfaction. As an organization, we go the extra mile to help clients with technology-based solutions and a people-first approach.

Call or shoot me an email today so we can take a look at your mortgage options!

A little about me to help you get a sense of who I am.  I was born in Waterbury, VT. I have a degree in communications and a minor in business administration.

I now reside in Lakeland, FL with my wife Rachel and our daughter Lauren. We also have three French Bulldogs, Remy, Herbie, and Blake!

I have been in the financial industry for almost 25 years. I am a true ally to all of my clients and realtor partners that can be leveraged as their own resource to help clients get more than they had hoped and help realtors build their business upon. With this career, I have realized the opportunity to do something fulfilling, something that could have a meaningful impact on the livelihood of others. I thrive on being a champion for my clients and helping them turn lifelong dreams into realities.

When I am not busy saving people money on their mortgages, I like to spend time camping, hunting, or riding recreational vehicles!

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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