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Coronavirus (COVID-19) Update for 07/23/20: Mariner Finance has taken steps to help keep you and our employees safe (Click for more info)

Find what you need:

Don’t settle for any mortgage loan.

Our mortgage broker team can help find loans for current homeowners that are looking to refinance as well as renters that are seeking to become 1st time homeowners.

Current homeowners may be able to refinance to a lower rate and/or a shorter term as well as consolidate bills or take cash out. If you are looking for a wide array of products and terms then look no further. We will provide you with a wide range of options and take pride in providing exceptional communication and service.

Home loan types and uses.

There’s a reason and purpose for every type of home loan. The key is understanding the differences and benefits of each loan before your choose the best one for your circumstances. We’re here to help.

Home purchase.

You have made the decision to purchase a new home but where do you start? Before looking at homes, you may want to obtain a pre-approval to determine the maximum mortgage amount that a lender would be willing to loan to you.  Mariner Finance’s Mortgage loan officers can review your income, assets, and credit to provide you with a pre-approval letter from a mortgage lender based on this information.** We try to make the new home mortgage pre-approval and loan process as simple as possible.

Learn more about home loans

Home refinance.

You may be able to take advantage of lower interest rates to reduce your payments, consolidate bills, set aside money for extra expenses, or shorten the term of your mortgage. We’ll show you how.

LEARN MORE ABOUT HOME REFINANCE

How Refinancing of your Home Loan Works

Most refinance loans typically close in 45 days or less. † You will likely need the  standard documents set forth below to get the process started, but the documentation required can vary depending on your employment status and the loan program you select. In some cases, not all of the documents listed below will be required, and our mortgage loan officers will guide you through which of the following documents you will need for your loan transaction:

  • W2 forms and signed and dated Federal Tax Returns for the previous two years,
  • your last two consecutive statements of earnings,
  • a clear copy of your driver’s license and social security card,
  • a copy of your mortgage statement,
  • a copy of your home owner’s insurance declarations page, and
  • your bank statements from the last two months.

Apply for a home loan† or Meet our mortgage loan officers**

** Mariner Finance’s mortgage loan officers are licensed and regulated financial professionals who work to connect potential borrowers with mortgage lenders who best fit the borrower’s financial situation. Mariner Finance does not act as an originating lender for mortgage loans or the refinancing of mortgage loans. See our Licensing & Disclosures page for more information.

† Loan closing is subject to various factors including, but not limited to, applicable lender underwriting requirements, market conditions, state specific regulations, and completion of all information and documentation requirements.

Why apply at Mariner Finance?

Our experienced and licensed loan officers make it their business to educate customers and create loan solutions that fit the individual. Their mission is to make the process simpler, not the other way around. Because the more informed you are, the better decisions you make—not just today, but years from now as your needs change.

The customer service I received was extraordinary. They are kind and compassionate, and immediately put me at ease. Thank you!

Anne O.

We love Mariner Finance. They have always been there when we need them. We love the ladies in the office. Thank you Mariner!

Patricia H.

How has Mariner come through for you?


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Making personal loans sense.

Got questions? Get answers.

What is the minimum amount I can borrow? How long does an application take? Is there a prepayment penalty?

Ready to speak to a person—in person?

You have your own unique goals to meet, and it all starts with a 5 minute conversation with one of our team members. You can reach us directly at 877-310-2373.

What is a personal loan?

Great question. It’s a loan that may help you deal with an unexpected expense, see a new part of the world, or simply help you achieve your personal goals. We have those.

   

†We offer personal loans from $1,000 to $25,000, with minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $7,000 may be funded online. Loans greater than $7,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance.

 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

 

*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.

 

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