Financing for Homeowners
Consumer loans to help you achieve homeownership goals
More Than a Lender
Herzer Financial is known and trusted as a direct, accessible lender. We consider diverse borrower profiles, including those with imperfect credit or unique financial circumstances. In an era of strict lending standards and decreasing options, we are dedicated to helping borrowers secure consumer purchase or refinance loans when they need them most.
Credit-Challenged?
We Work with You.
Financial Setback?
We'll Get You on Track.
Self-Employed?
We Make It Simple.
Varied Income?
We've Got Options.
Cash-Out Refinance Loan: This loan allows homeowners to borrow extra money by increasing their mortgage balance, plus providing funds for home improvements, debt consolidation, and more.
Large Debt Consolidation Loan: This loan combines high-interest debts into a single, more manageable loan, streamlining debt repayment and potentially reducing monthly payments and interest rates.
Major Remodel Loan: This loan funds significant home improvement projects, increasing property value and improving living spaces.
Trust Balancing Loan: This loan equalizes inheritances for trust or estate beneficiaries, fostering fair distribution and family harmony. No reassessment of property is required.
Application and Prequalification
Our loan officer will schedule an initial consultation to discuss your financial goals. We utilize documents such as income statements and credit reports to assess your eligibility and loan amount. From there, we work together to determine your loan options and potential interest rates.
Processing and Underwriting
Our in-house processing guarantees efficiency. We verify documentation, including credit reports, income, and property appraisal, to assess your credit standing and property value. After approval, we finalize your loan terms and, upon closing, disburse your funds for purchase or refinance transactions.
Closing and Disbursement
We schedule a closing appointment to sign your loan documents. For purchase loans, funds are transferred to the seller, transferring property ownership. For refinance loans, the existing mortgage is paid off and cash-out funds are disbursed to the borrower. We provide post-closing support to address any queries or concerns you may have.
