Certainty Home Lending

NMLS#

2611

About

Certainty Home Lending

At Certainty Home Lending, we guide you through the mortgage process, offering tailored loan options to match your financial goals. Our experienced loan officers provide unparalleled service, backed by powerful technology that enables same-day mortgage approvals. Additionally, our digital HELOC grants swift access to fixed-rate options for home improvements and debt consolidation. We offer a comprehensive range of mortgage options for first-time homebuyers, veterans, service members, and those seeking HECM/reverse loans. Our mission is to simplify the process through expertise, transparency, and personal attention, ensuring you're never just a number when you work with us.

Loan programs at

Certainty Home Lending

- Conventional Loans: We offer conventional loans, which are the most common type of home loans. They typically require a down payment and have fixed or adjustable interest rates.

- FHA Loans: Our company provides FHA loans, which are insured by the Federal Housing Administration. These loans often have more lenient credit requirements and lower down payment options.

- VA Loans: Certainty Home Lending offers VA loans for veterans and service members. These loans are guaranteed by the Department of Veterans Affairs and provide favorable terms and benefits.

- USDA Loans: We also provide USDA loans, backed by the U.S. Department of Agriculture. These loans are designed to help individuals in rural areas achieve homeownership with low or no down payment options.

- Jumbo Loans: For those looking for higher loan amounts, we offer jumbo loans. These loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

- Refinance Options: If you already own a home, we offer refinancing options to help you secure a lower interest rate, reduce your monthly payments, or access your home's equity.

- Home Equity Line of Credit (HELOC): Certainty Home Lending provides a digital HELOC that allows homeowners to access their home's equity swiftly for various purposes, such as renovations or debt consolidation.

- First-Time Homebuyer Programs: Our team specializes in assisting first-time homebuyers, providing guidance through the process and making it stress-free.

- HECM/Reverse Mortgages: With our deep understanding of HECM/reverse mortgages, we offer tailored financial solutions to meet the unique needs of seniors.

- Comprehensive Range of Mortgage Options: At Certainty Home Lending, we pride ourselves on offering a wide range of mortgage options to suit different borrower needs and financial situations.

States

Certainty Home Lending

is licensed to work in

Alaska (AK2611, AK2611-1, AK2611-2, AK2611-3, AK2611-4, AK2611-5), Alabama (21566), Arkansas (103947), Arizona (0907078, 1038877), California (4130699, 60DBO-147922), Colorado (), Connecticut (MS 2611, ML-2611, SLC-2611), District of Columbia (MLB2611, ML2611), Delaware (9436), Florida (MLD1102), Georgia (20973), Hawaii (HI-2611, MS161), Iowa (2005-0132, 2021-0126, 88893612, 2023-0084, 2023-0192, 2024-0116, 2024-0144), Idaho (MBL-5827, RRL-10940), Illinois (MB.0005932, CI.4816-H), Indiana (11060, 62505), Kansas (MC.0001530, SL.0026876), Kentucky (MC20335, CL795301), Louisiana (2866), Massachusetts (MC2611, MC2611, LS2611, MC2611, MC2611, MC2611, MC2611, MC2611, MC2611, MC2611, MC2611, MC2611, MC2611), Maryland (2611, 2611), Maine (SLM11302), Michigan (FR0024251, SR0018847, RL0024250), Minnesota (MN-MO-20526478, MN-MO-2611.1, MN-MO-2611.2, MN-RL-2611, MN-MO-2611, MN-MO-2611.4, MN-MO-2611.5, MN-MO-2611.6, MN-MO-2611.7), Missouri (2611), Mississippi (2611), Montana (2611, 2611, 2611, 2611), North Carolina (L-109803), North Dakota (MB101818, ML104255, MS104423), Nebraska (1811), New Hampshire (13931-MB, 24936-SM), New Jersey (), New Mexico (01995), Nevada (3161, 4363, 5840, 5841), Ohio (GL.501367.000, RM.804160.000), Oklahoma (ML002651, ML011639, ML013879, ML015173, ML016121, ML016546, ML016865, ML016894), Oregon (ML-3836, MS-107, 2611), Pennsylvania (20371, 67223), Rhode Island (20102682LL, 20102681LB, 20193867LS), South Carolina (MLS - 2611, MLS - 2611 OTN #1, MLS - 2611 OTN #3, SL - 2611, SLW1 - 2611, MLS - 2611 OTN #4, MLS - 2611 OTN #5, MLS - 2611 OTN #6, MLS - 2611 OTN #2), South Dakota (2611.ML, 2611.MYL), Tennessee (109179 , 2611), Texas (), Utah (7495184, 10626308, 12573645, 13372581, 13807952, 13975459, 14151246), Virginia (MC-3769, MC-3769), Vermont (0930 MB, 6100, 2611-1, LL-2611-2, MB-2611-2, LL-2611-4, MB-2611-4, LL-2611-5, LS-2611-5, MB-2611-5, LL-2611-6, LL-2611-7, MB-2611-6), Washington (CL-2611), Wisconsin (27394BA, 2611BR, 3266-LC), West Virginia (MB-30098, ML-30469), Wyoming (4507, CL-4491)