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.

Zachary Slaughter Let me help you through the process

Phone: (351) 333-5920

Cell: (909) 270-0573

Email: zslaughter@polarishomeloansllc.com

NMLS: 1989892  View Licensed States 

Hi, I'm Zachary Slaughter, a licensed loan officer with the Chino Hills, CA Center of Polaris Home Loans, LLC.

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

If you choose to work with me, you can count on having someone in your corner, looking out for your best interest. I work closely with my clients to identify their best possible options depending on their particular situations. I pride myself on consistent and clear communication from day one. I bring to the table my experience, product knowledge, and attention to detail. My goal is to simplify the process and make it feel surprisingly convenient and as stress-free as possible. Together we can work to establish a pathway to achieving your financial goals. I look forward to learning more about you and how I can be of service.

Call or shoot me an email/text today to get the process started!

A little about me to help you get a sense of who I am.  I was raised in the Chino Hills, CA. I now reside in Chino, CA with my two children Jayde and Ashton. When I am not busy saving people money on their mortgages, I love to spend time coaching the kid's sports teams, off-roading, or golfing!

I love creating new relationships with potential clients and getting the opportunity to show everyday people how they can change their financial situation beyond what they imaged possible. The bottom line is that I work hard for my clients, and Polaris provides resources that amplify my efforts and result in a truly unique and pleasant experience. Connect with me today and let's see what's possible for you!

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
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