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.

Lisa Long Let me help you through the process

Phone: (413) 200-3926

Cell: (860) 995-3513

Email: llong@polarishomeloansllc.com

NMLS: 114663  View Licensed States 

Hi, I'm Lisa Long, a licensed loan officer working out of the Polaris Home Loans, LLC headquarters in Springfield, MA.

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.

I model how I treat my clients around how I would want to be treated as a borrower. I provide a high level of professionalism and a clear dedication to your success. I aim to understand your specific situation and needs, then work diligently to help you identify meaningful solutions. I love what I do, and I enjoy any opportunity to help someone understand their finances and how they align for mortgage eligibility through various unique programs.

A little about me to help you get a sense of who I am.  I was born and raised in Demarest, New Jersey. I studied Economics at Fairfield University in CT. I now reside in Cromwell, CT where I raised two sets of identical twins!

When I am not helping people optimize their mortgage programs, I like to spend time dancing, hiking, or traveling!

I am community service-oriented and have volunteered with both the Boy Scouts, and the Girl Scouts as a leader, taught religion classes at my church, and have volunteered at the soup kitchen and for other charitable organizations.

I have been in the financial industry for over 30 years, I have had the opportunity to help a lot of people improve their situations through sustainable lending programs. Let me help you understand all your options so you can make the most of your time and money. Reach out today and let's see how I can help you reach your goals!

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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