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.

Trevor Harrington Let me help you through the process

Phone: (904) 204-6488

Cell: (770) 827-2708

Email: tharrington@polarishomeloansllc.com

NMLS: 960089  View Licensed States 

Hi, I'm Trevor Harrington, a licensed loan officer and sales manager for the Jacksonville, FL branch of 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 you choose to work with me, you'll get the benefit of working with someone who knows how to simplify the process. I use my expertise to provide a seamless experience, designed to discover and serve your specific needs. My goal is not only to help you achieve your financial ambitions through an effective mortgage program but to also exceed your expectations regarding personalized customer service. In order to make the most out of your mortgage, you need a lender who will keep you informed and educated on your ever-changing options. At Polaris, the entire staff is committed to delivering a superior product and experience. We are able to give you the feel of localized service, all while being supported by a highly sophisticated, technology-based mortgage origination network with access to all the latest and greatest products the market has to offer. Call or shoot me an email today and let's take a look at all the opportunities that may be available to you!

A little about me to help you get a sense of who I am.  I grew up in Atlanta GA and received a B.S. in Business Administration from Lee University.  When I'm not helping people save money on their mortgage, I like spending time playing guitar, Watching Georgia Bulldogs Football, and Spending time with my 4 girls.  I am successful at what I do because I genuinely care about my clients and their success. It's my job to make sure you feel confident in your financial future.

I look forward to learning more about how I can help!

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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