welcome to FOUNDATION HOME LOANS

Your Mortgage Process Starts Here!

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60 +

Years of experience

Our Promise To You

Foundation Home Loans provides the Gold Standard in mortgage lending. Our clients can expect exceptional customer service from their mortgage lender and our knowledgeable support staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly and On Time!

why choose FOUNDATION ?

Building Foundations For A Brighter Future

Purchase

Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.

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Refinance

Changing the terms of your loan can benefit you and maximize your monthly income. A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.

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Programs

We offer a variety of Home Loans and Mortgage Products. Make your purchase, refinance or investment a well informed decision by comparing all products that we have available.

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what we offer ?

Loan Programs

We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Conventional Loan

as low as 3% down
  • 30-, 25-, 20-, 15- and 10-year terms available
  • As little as 3% down without assistance or 0% down with down payment assistance
  • Refinance up to 95% of your primary home's value
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Adjustable Loan

as low as 3.5% down
  • 3/1, 5/1, and 7/1 ARMs. Monthly payments based on a 30 year repayment schedule
  • As little as 3.5% down
  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
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FHA Loan

as low as 3.5% down
  • Minimum credit score usually 620.
  • Post-bankruptcy qualifying - 2 years after.
  • Post-foreclosure qualifying - 3 years after.
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USDA Loan

as low as 0% down
  • Property must be located in eligible area (rural/less populated areas)
  • Purchase and Refinance loans available for Primary Residences
  • Refinance loans only available to current USDA mortgage loan holders
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VA Loan

as low as 0% down
  • Exclusive benefits for military and veterans.
  • Higher allowable debt-to-income ratios than for many other loans.
  • Competitive interest rates that are routinely lower than conventional rates.
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DSCR Loan

homeowners - 62 years or older
  • Line of Credit option provides a “safety net” for the unexpected
  • Monthly mortgage payment is not required (1)
  • Lifetime Monthly Income is an option
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Are You Ready to Get Started?

Changing the terms of your loan can benefit you and maximize your monthly income. If you are ready to apply for your mortgage refinance just click the button below.

Testimonials

We are committed to provide the highest quality service!

"I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to go with the low rate."

Mary & Tom R.

"I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward."

John S.

"Your company was so much more professional than the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone."

Robert M.
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