Mortgage Loans

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Thinking about moving on?

We now offer our lowest ever mortgage rates. If you are buying a home or simply looking for a better rate, give us a call.

POLAM has specialized in real estate lending for over 40 years. The bulk of our loan portfolio is in real estate loans. Our experienced staff is here to make sure that the process goes smoothly. Unlike other institutions, you are not just a number here, we give you personal attention. In fact, the person who takes your application is also the underwriter who will help you through the entire loan process.

POLAM is a portfolio lender which means that we do not sell our loans to investors like most banks. Our 5 year, fixed-rate loan product allows us to retain our loans and gives us more flexibility in the underwriting process.

If you are ready to buy or refinance, consider POLAM for your mortgage needs. We offer loans up to 90% of the home value with no private mortgage insurance required. To qualify for our best rates you need to have a FICO score of 720 or higher but you can qualify with a minimum score of 650 and pay a slightly higher rate.

For more information about rates and terms call us at (800) 404 – 5137