Phone: (443) 290-3971
Cell: (443) 465-6099
Email: rhood@polarishomeloansllc.com
NMLS: 178453 View Licensed States
Robert Christopher Hood Let me help you through the process
Hi, my name is Robert Christopher Hood, 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.
Few transactions in life compare in scale to buying a home or refinancing a mortgage. These loan products and programs can effectively change the lives of all different kinds of people. I deliver an elevated customer experience that focuses on professionalism, communication, and attention to detail. I know, from over 30 years of experience, specifically, the types of support people need when entering the mortgage process. Let's partner up and get you approved for the loan you need to achieve your goals.
A little about me to help you get a sense of who I am. I was born and raised in Baltimore, MD. I now reside in Middle-River, MD. When I'm not busy saving people money on their mortgages, I like to spend time golfing!
Reach out any time and let me know how I can help you on your mortgage journey, I look forward to it!
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.
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.
