A Maine based mortgage company focusing on residential mortgages and refinancing
Integrity Mortgage, LLC
Integrity Mortgage, LLC is a locally-owned company and one of the top home mortgage lenders in Maine, New Hampshire, Massachusetts and Florida. We pride ourselves on providing a lending process where every aspect is handled under one roof. Our team takes the entire process locally, from the beginning of our initial conversation to signing the papers at closing.
As one of the best mortgage lenders in Maine, our top priority is to make sure you feel supported every step of the way while providing you with a hands-on and stress-free home buying experience.
At Integrity Mortgage, LLC, you are a customer and our partner in your home purchase. Whether you’re a first-time buyer or have owned multiple homes, we will work with you every step of the way to make sure that your homeownership goals become a reality.
Integrity Mortgage, LLC consists of over 20 experienced loan officers and an administrative team that is highly knowledgeable in mortgage financing. Our entire team is ready to stand beside you on one of the most important decisions of your life – homeownership!
Established in 2019
MassachusettsWe are proud to have helped numerous families and individuals with their real estate endeavors since 2019 by providing expert advice and service. Simply put, we’re not happy unless you’re satisfied with your home buying experience.
Whether it’s helping you navigate through an unfamiliar financial process or answering any questions you have about the home buying process, you can count on Integrity Mortgage to be there for you.
Also, listed amongst the top mortgage lenders in Florida, Maine, New Hampshire and Massachusetts, we understand the full range of needs, expenses, and challenges of owning a home. We serve home buyers from different backgrounds and stages of life, including first-time homebuyers, seasoned veterans looking for the best possible rate, empty nesters who want to downsize, and relocation buyers who need expert advice and guidance.
Whether it’s a complex loan or a simple question, we want to help make your home buying experience an easy one!
Years Combined Experience
Your Loan Options
Different loans have different terms and requirements. Knowing what kind of loan is most appropriate for you is the difference between an easy and smooth process and a stressful and unexpected one. We have many resources here at Integrity Mortgage, LLC to help guide you through the loan process.
Many people are intimidated by the prospect of securing a loan, but conventional loans can be just as easy to obtain and even cheaper than FHA. Conventional loans have no government backing like an FHA, which means they cost less for the borrower. Although it may require some time or more leg work on your part to find out about these types of mortgage options, you won’t regret taking that extra step to save big money down the line!
FHA loans are a government-backed mortgage option that private lenders offer. Loans for FHA mortgages can be obtained through a direct lender or broker, and the interest rates vary depending on what type of loan you choose to take out (fixed-rate or adjustable).
The Department of Veterans Affairs (VA) has a loan program for eligible veterans, current service members, and surviving spouses. The loans are made by private lenders and guaranteed by the VA. It is an excellent way to get into homeownership with minimal out-of-pocket expense as it costs little to nothing upfront or in interest payments!
USDA loan (or rural development loan)
USDA loans are an alternative to FHA and VA loans. These mortgages offer zero down payments, but borrowers will pay a monthly mortgage fee and upfront fees when they apply for the loan. USDA offers rural development financing, explicitly designed with low-income borrowing in mind – perfect if you don’t have much savings!
Some homeowners decide to refinance their mortgage because it allows them to refresh their loan amount and terms. With a lower interest rate, you can save money over time on your monthly payment.
Apart from this, there are several reasons why people consider changing from an FHA or VA mortgage to conventional loans. These include:
FHA loans often burden borrowers with mortgage insurance. However, if you build at least 20% equity in your home, converting to a conventional loan can help you get rid of these insurances.
- Reduction in the loan term
Refinancing allows you to reduce the loan repayment term. So, if your loan term is around 30-years, you can potentially mitigate it to 15-years. This particular way, you can repay your mortgage faster and even reduce monthly payments!
Refinancing your home’s existing mortgage allows you to pay off old mortgages with more favorable tax advantages while taking out a slightly larger one. You might be able to take advantage of lower interest rates, change up which type of property insurance policy works best for your family’s needs, or even get rid of private financing altogether—depending on your circumstances.
Find out exactly
What Kind Of Loan You Need
Finding the right loan for you is an essential step in the home buying process. But before you make a choice, ask us for help!
Call our friendly team at Integrity Mortgage, LLC (in Maine, New Hampshire, Massachusetts or Florida) today for a free consultation on your home buying options. You can talk with an experienced Loan Officer and learn what’s best for you.
We can also take the mystery out of the mortgage process by putting it in perspective. The Loan Officer will walk you through the process step by step. Our Loan Officers have years of experience in navigating the home buying process.