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.
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.
** 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!
We love Mariner Finance. They have always been there when we need them. We love the ladies in the office. Thank you Mariner!
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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 loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 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. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. 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. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.
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.