The Polder Group

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! Contact us today if you're considering a fixer upper or have home repairs you would like to make to the home you already own.

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. Interest rates won't stay this low forever, so let's get started right away.

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.

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?

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.