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.

Mike Munnelly Let me help you through the process

Phone: (406) 204-2136

Cell: (417) 496-5889

Email: mmunnelly@polarishomeloansllc.com

NMLS: 1146486  View Licensed States 

Hi, my name is Mike Munnelly, 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 someone chooses to work with me as their LO, they should expect a professional, communicative experience knowing that I truly have your best interest at heart. I am extremely detail-oriented and pride myself on responsiveness so any questions that you have throughout the process I would love to help answer! Buying a home or refinancing a mortgage is a big deal, no matter how many times you've been through the process. Your best chance at success lies in finding a loan expert who has access to a wide array of options, as well as the knowledge and experience to help you through the changing terrain of the process. That's where I come in! I’ve always had a passion to help people and numbers have always come easy to me. It’s truly my dream opportunity to work in an industry that allows me the ability to do both, professionally. I have had the privilege of helping more than 2,500 families over the last 20 years I've spent helping people achieve homeownership.

A little about me to help you get a sense of who I am. I was born and raised in Pittsburgh, PA. I later studied Finance at Missouri State University. I now reside in St. Louis with my wife Lindsey and our three daughters. When I am not busy saving people money on their mortgages, I like to spend time coaching girls’ sports teams or traveling to experience new cultures!

I take a lot of pride in my work, and I am grateful for the opportunities I get, every day, to help people towards achieving their aspirations. We all deserve a chance to realize our part of the American dream. As your Loan Officer, I aim to be a resource. Superior communication and attention to detail come standard. Reach out and let's start the conversation today about how you can set yourself up for success through your mortgage.

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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