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Frequently Asked Questions

We know the loan process can seem overwhelming, but rest assured you’re in good hands with CERTIFIED. We’re here to guide you through + answer your questions every step of the way!

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  • What types of loans do you do?

    At Certified Home Loans we do both purchase and refinance loans.

  • What loan products do you offer?

    Our goal is to provide a well rounded menu of loan options, which include both residential and commercial financing options:

    • Conventional
    • FHA
    • VA
    • USDA
    • Commercial
    • Construction
    • Reverse
    • Rehab Loans
    • As well as many Non-Traditional products
  • What are your rates?

    Our goal is to always offer our clients the best rate possible. We’re able to achieve this by shopping your loan scenario with our 20+ lending partners. This is how we have some of the lowest rates and the most competitive costs in the industry.

  • What are your fees?

    On the majority of our loan products we’re able to offer zero lender fees. We’ve initially modeled our business in a way to minimize overhead, which allows us to pass savings on to our clients.

  • Do I have to pay points?

    No, our traditional rates don’t include points. But if you’d like to buy down a rate, that’s an elective option if you so choose.

  • How can I get a quote?

    We make getting a quote easy and painless. Reach out to one of our licensed Loan Originators. From there they’ll get a sense for your scenario (estimated property value, loan amount sought, etc.) and put together a quote that’s customized to you and your needs.

  • How long does the loan process take?

    Every loan product is different, however, we strive to close most residential loan scenarios within 30-days or less.

  • What types of properties can I finance?

    We make it our goal to finance every type of residential and commercial property. Everything from that single-family starter home for a newlywed couple to the beachfront condo when you’re ready to settle into a slower pace lifestyle. Let us be your finance specialists every step of the way.