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WESTERN PIONEER FINANCIAL

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Mortgage & Real Estate Loans

        Get a Home Loan or Refinance Today!

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         * No Obligation Home Loan Consultation!

Home Purchase

We've helped a lot of people through the confusing process of finding a new home loan. We know the options, the benefits of each kind of mortgage, and how to help you optimize your savings. Have no idea how much you'll be able to afford? Trying to figure out whether a fixed rate or ARM loan is right for you? Want to figure out your monthly payments ahead of time? We can answer the questions for you in minutes.
We'll be there every step of the way—a dedicated Western Pioneer home loan consultant will work with you from application to moving day. Call or apply today to find and lock in the best rate for which you qualify.

REFINANCE

Refinancing your current mortgage with Western Pioneer Home Loans can lower your monthly payment, help you stretch your budget, pay off existing debts, or just put a lump sum of cash into your hands. The money is yours to use any way you like—when you refinance, you can borrow additional cash to plan a dream vacation, upgrade your home, or just keep a cash reserve on hand as a financial buffer against emergencies. Is it worth your time to refinance? We know refinancing. Ask us. Apply today to lock in your best rate!

WESTERN PIONEER LOAN PROGRAMS:

- 30 yr. Fixed
- 15 yr. Fixed
- 7/1, 5/1, 3/1 ARM
- FHA
- Reverse Mortgage
- Construction Loans

Rates At A Glance

Fixed Interest Rate Loan

Over the life of the loan, a fixed interest rate mortgage retains the same interest rate and principal payments. Essentially, the principal and interest portion of your monthly mortgage payment will stay the same. Since fixed interest rate loans offer you more stability, a fixed rate loan may have a higher interest rate than an adjustable rate loan. If you are looking to take out a loan which will be less than $417,000, a Conforming Loan will most likely be right for you. If you are looking to take out a loan which will be more than $417,000, a Jumbo Loan will most likely be right for you.

Conditions that may accompany the use of this loan:

You have consistent and dependable income
You are comfortable paying a slightly higher interest rate in exchange for stability of a fixed monthly payment
You have plans to stay in a new home longer than 7 years

Adjustable/Variable Interest Rate Loan

Adjustable rate loans have interest rates that remain fixed for a set period of time, after which they adjust periodically. These adjustments depend on the market conditions and the interest rate index to which the loan is linked. In exchange for an initial low payment and monthly payments that will change periodically thereafter, you'll enjoy a slightly lower interest rate and monthly payment at the start, compared to a fixed rate loan. If you are looking to take out a loan which will be less than $417,000, a Conforming Loan will most likely be right for you. If you are looking to take out a loan which will be more than $417,000, a Jumbo Loan will most likely be right for you.

Conditions that may accompany the use of this loan:

You're comfortable with an initial low payment and monthly payments that will change periodically thereafter
You are looking to get into your home with the lowest initial rate and payment possible
You expect to sell your home within 3, 5, or 7 years depending on the ARM program that you choose

LOAN CHECKLIST! Click here to find out what we may need!

Mortgage Calculator

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