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.

Laureen M Arnold Let me help you through the process

Laureen Arnold

Phone: (615) 235-7730

Cell: (562) 665-3343

Email: larnold@polarishomeloansllc.com

NMLS: 112034  View Licensed States 

Hi, I'm Laureen, a licensed mortgage expert and regional loan officer with Polaris Home Loans, LLC.

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

If you choose to work with me, you'll be working with someone who takes pride in their professionalism.  My aim is to share with you the knowledge and guidance you need to confidently consider your mortgage options. I will be sincere and transparent about all the possible solutions we have to offer, and I will take the time to make sure you understand your opportunities. Regardless of your mortgage or credit situation, I am confident that I have the experience, skills, and industry knowledge to help. I look forward to learning more about you and how I can be of service. Reach out to me today and let's discuss the possibilities!

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 was born, raised in Los Angeles, CA.  I now reside in Nashville, TN with my husband, David, and our children David and Kacey. We also have two dogs, Cash and Baloo!

With over 25 years in finance, I have helped countless families and individuals realize their goals. I have been a licensed mortgage originator for over 15 years, and I have worked in all kinds of dynamic housing markets. I got into this industry because I saw an opportunity to make a real difference in people’s lives. My experience has equipped me with the knowledge and know-how to help home buyers and owners make informed and impactful decisions dealing with mortgages. I understand the importance of empowering my clients with insight and information. I decided to join Polaris because of their dedication to educating clients and empowering them to make clear and confident financial decisions.

I enjoy getting to know my clients and their families, hearing their stories and ultimately using everything I learn to build a path towards financial excellence through an effective mortgage program.

When I am not saving people money on their mortgages, I like to spend my time fishing, feeding the deer in my yard, and listening to live country music!

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
English English Spanish Spanish