The Polder Group is the destination for people to become homeowners. It is our mission to be the leading lender to provide families homes where they can create memories and share ideas. We want to help make people's dreams a reality by providing the security of a home for all families. Our customers are our top priority; 98% of our business has been built on referrals - ensuring we deliver the absolute best mortgage experience is job #1 for us, every time!
We are 100% committed to delivering the best home lending experience in the industry! The Polder Group is backed by one of the nation's top mortgage lenders, we can guarantee peace of mind in the buying process.
We are 100% committed to delivering the best home lending experience in the industry! The Polder Group is backed by one of the nation's top mortgage lenders, we can guarantee peace of mind in the buying process.
Services
Buying or refinancing a home that needs a little extra work is now easier than ever with the Polder Group of Summit Funding.
We have options available for homebuyers looking to buy a fixer upper or current homeowners wanting to finance upgrades for their home.
The Renovation Plus and the Renovation Program both allow the borrower to purchase or refinance a home that needs repairs or improvements with the cost of the renovation included into the loan amount.
These loans save homebuyers and homeowners time and money!
We have options available for homebuyers looking to buy a fixer upper or current homeowners wanting to finance upgrades for their home.
The Renovation Plus and the Renovation Program both allow the borrower to purchase or refinance a home that needs repairs or improvements with the cost of the renovation included into the loan amount.
These loans save homebuyers and homeowners time and money!
Interest rates are near historic lows right now.
But what if you acquired your home mortgage when rates were considerably higher?
If you've built up home equity and are still making mortgage or interest payments, you may qualify for an FHA cash-out refinance loan.
This is how it works: When you refinance your home, you can substantially reduce your monthly payments and tap the cash from your home's market value - with no restrictions on how you spend your money.
You could pay college tuition, take a vacation, buy a new car, or wisely consolidate your debts.
But what if you acquired your home mortgage when rates were considerably higher?
If you've built up home equity and are still making mortgage or interest payments, you may qualify for an FHA cash-out refinance loan.
This is how it works: When you refinance your home, you can substantially reduce your monthly payments and tap the cash from your home's market value - with no restrictions on how you spend your money.
You could pay college tuition, take a vacation, buy a new car, or wisely consolidate your debts.
You have dreams, now let's make them a reality!
You might be able to own that home you've been keeping an eye on for the same as it costs to rent.
Here at The Polder Group, we understand that for a first-time homebuyer, purchasing a home may be the single largest purchase you will ever make in your lifetime.
Our team will help you calculate what your monthly payment will be, how much you can afford, and develop a plan to help you get there.
You might be able to own that home you've been keeping an eye on for the same as it costs to rent.
Here at The Polder Group, we understand that for a first-time homebuyer, purchasing a home may be the single largest purchase you will ever make in your lifetime.
Our team will help you calculate what your monthly payment will be, how much you can afford, and develop a plan to help you get there.
We've all been there.
Life happens, and you miss a few credit payments.
Or maybe the worst-case scenario happens; you lose your job and have to declare bankruptcy.
When it comes to keeping your credit score in the green, you can only prepare so much.
So, how does a low credit score affect your chances of getting a loan?
Some people might assume that they won't qualify for a home loan if they don't have an outstanding score.
Although your score is a factor in the approval process, there are loan options specifically for homebuyers with a lower credit score.
Life happens, and you miss a few credit payments.
Or maybe the worst-case scenario happens; you lose your job and have to declare bankruptcy.
When it comes to keeping your credit score in the green, you can only prepare so much.
So, how does a low credit score affect your chances of getting a loan?
Some people might assume that they won't qualify for a home loan if they don't have an outstanding score.
Although your score is a factor in the approval process, there are loan options specifically for homebuyers with a lower credit score.
Bank/asset statements for the last 2 months on all checking, savings, stock, mutual fumds, IRA, or other liquid assets you would like on your loan application.
If self-employed or you own more than 25% of a business, copies of business tax returns for the past 2 years, including all schedules.
Provide all K-1's to prove ownership interest in any entity.
For other real estate owned, we need loan information, monthly payment, and any rent collected.
Child support information, copy of divorce decree and/or separation agreement, if applicable.
If self-employed or you own more than 25% of a business, copies of business tax returns for the past 2 years, including all schedules.
Provide all K-1's to prove ownership interest in any entity.
For other real estate owned, we need loan information, monthly payment, and any rent collected.
Child support information, copy of divorce decree and/or separation agreement, if applicable.
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