Sawyer Savings - Mortgage Lending Secondary Page

To Purchase a Home

Whether you’ve purchased a home before, or you are a first time homebuyer; purchasing a new home is a long term commitment and the process can be overwhelming. We know your time is valuable so let us help you get started with a FREE Pre-qualification Analysis. Getting qualified before you apply for a loan can help you understand how much you can borrow. Contact us today to obtain your FREE Pre-qualification Certificate.

This analysis is recommended before you start looking for a house. This will help you find out the maximum purchase, so you don't waste time looking for properties above your price range. You will also be in a stronger position when negotiating with the Realtor and the Seller.

If you are a First Time Homebuyer - we are a SONYMA Lender.

Click here for our complete list of mortgage programs

To Refinance your Home

Whatever your wants or needs are, refinancing may be the solution you’ve been looking for. By refinancing, you may be able to:

Reduce your current mortgage payment

Payoff your mortgage sooner by reducing your loan term

Payoff or paydown on your credit cards or installment loans

Make Home Improvements

Contact a mortgage specialist to get you started!

Home Construction

When you make the decision to build the home of your dreams you’ll want a bank with an experienced construction lending staff and a builder friendly program to assist you through the process. Whether your home will be a stick built, a modular or alog home, we can provide you with the financing you’ll need. We offer:

Pre-qualification - to help you determine how much you can afford

before you commit to your Contractor

Land Loans – you’ve found the property, but are not quite ready to build

Bridge Loans – use the equity in your current home for a down payment

or closing costs

Curbside funding – No worries for you or your Contractor

Flexible draw schedule for loan advances

Interest only payments on the money advanced as the work progresses

Home Equity Products

Use the equity in your home to help you pay for things like vacations, college tuition, a new car, etc. We offer:

Competitive rates

Flexible terms

Low or no closing cost options*

Fixed or variable rate loans

No annual fee

Interest may be tax deductible**

Click here for our Mortgage Rates

*The no cost option has a five year recapture feature

**Consult your tax advisor

Click here for a complete list of mortgage programs we offer