Home lending demystified.
“I really appreciated that Ascend Mortgage uses data-driven statistics to show me the options available to me as a purchaser, and the competitive rates in my market. It really made me feel like I have control over my future.”
“Highly recommend Sean for your mortgage needs. Very knowledgeable and helpful! As a first time homebuyer, Sean helped answer all of our questions!”
“Great experience with Ascend Mortgage. Very personable and helpful. With Ascend we were able to get the best rate possible for our home mortgage”
Which home loan is right for you?
With so many lending options, it can feel impossible to know the ins and outs of all of them, let alone which one is best for your unique circumstances. This page gives you a brief overview of home lending options. Take a quick look if you’d like, or skip the jargon and reach out to us directly.
We bring clarity to your home loan options.
Current homeowners may refinance to lower their payments or take cash out up to 80% of their home’s value.
Those looking to refinance a home loan may have more relaxed qualification standards and expanded cash out options of up to 90% of the home’s value to consolidate debt, make home improvements, or other plans you find suitable.
USDA loans offer excellent benefits, including very low interest rates, no out-of-pocket down payment required, and more.
30-Year Fixed Mortgage
30-year fixed-rate loan offers the security of interest rates and monthly payments that stay the same for the duration of the mortgage. Typically, fixed-rate loans aren’t much more expensive than adjustable-rate loans, but offer the advantage of locking in low rates for life.
15-Year Fixed Mortgage
The 15-year fixed-rate loan offers the benefit of secured interest and payments, like the 30-year loan, but it has lower rates and is paid off in half the time. However, interest rates aren’t always significantly better than a 30-year loan, so for some, it isn’t worth the commitment of higher monthly payments.
An Adjustable-Rate Mortgage Loan, or ARM, has an interest rate that changes periodically. This option can sometimes offer the advantage of lower payments, initially, and you may choose to refinance when the fixed period ends and the rate becomes variable. Interest Only programs available for clients with 700 + credit and reserves.
All In One Loan
With All In One loans, interest is calculated based on the loan balance minus the sum of the savings account linked to it. Funds in the account remain available for use, and deposits into the account lower the loan’s principal. This adds up to tens of thousands of dollars saved and years shaved off the length of the loan.
Speed up the process.
Bypass the discovery process and apply directly.