Getting a Home Loan

getting_home_loan

NEW Changes to the HARP Program

HARP, or Home Affordable Refinance Program, allows homeowners facing difficulties refinancing their mortgage through conventional methods to apply for a refinance of their mortgage. A homeowner that is current with their monthly payments but unable to refinance due to a drop in the value is the typical prime candidate for the HARP program. The ultimate goal is to allow a homeowner to do a mortgage refinance for a lower interest rate and overall monthly payment. Click here to learn more about HARP.

Pre-Approval Accelerates the Buying Process

Pre-approval for financing is the single most important step in purchasing your new home. It tells sellers that you are ready and able to submit serious offers, which in turn makes them more enthusiastic about negotiating with you.

Our expert loan consultants will walk you through the process and match you with the best rate and terms for your unique situation. Even if your finances or credit make it difficult for you to purchase today, our promise is to put you on a path to purchase your home within just six months.

These days, most listings ask for pre-approval letters because the seller only wants to spend time with buyers who are actually prepared to buy. Simply put, we cannot overstate the benefits of taking this important first step and Granite Equity Group is here to help.

Granite Equity Group has access to the lowest rates and best terms on the market.

Get a free no-obligation pre-qualification for a new home Loan or refinance!

Get Pre-Qualified

Mortgage Calculator

Mortgage Calculator

Trying to determine how much you can afford? Or whether to rent or buy?

Use our free mortgage calculator. Plug in the loan amount, down payment, rate and term specifics to determine approximate monthly payments.

Get Pre-Qualified

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For home buyers about to begin your house search, or home owners looking for the best rate on a refinance, one of the best ways to put yourself in the driver’s seat is to get pre-qualified for your home loan. Granite Equity Group can quickly and easily pre-qualify you so that you’ll know exactly how much you’re able to borrow and at what rate.

To get started, just select either Purchase Loan or Refinance below!

  • PRE-QUALIFY FOR PURCHASE
  • PRE-QUALIFY FOR REFINANCE
First Name *
Last Name *
Phone No. *
Email Address *
Property Use *
Primary home 2nd home Investment property
Property Type *
Single Family Condo Multi unit
Will You be Using a Down Payment? *
Yes No
Down payment amount? *
Loan amount requested? *
Credit rating *
Excellent Good Fair Challenged
Annual income? *
What area(s) are you looking? *
Will You be Using a Co-Borrower? *
Yes No
First Name *
Last Name *
Phone No. *
Email Address *
Credit rating *
Excellent Good Fair Challenged
Annual income? *


First Name *
Last Name *
Phone No. *
Email Address *
Property Use *
Primary home 2nd home Investment property
Property Type *
Single Family Condo Multi unit
Purchase price or Appraised value for a refinance. *
Refinance amount requested? *
Credit rating *
Excellent Good Fair Challenged
Annual income? *
Will You be Using a Co-Borrower? *
Yes No
First Name *
Last Name *
Phone No. *
Email Address *
Credit rating *
Excellent Good Fair Challenged
Annual income? *


Mike & Melissa

Tim, we cannot thank you enough for helping us navigate the often confusing process of buying and selling a home in this current market. You were always available to answer our questions and quell our anxieties. It was so reassuring to work with someone we really trusted wanted to help us find the best deal and who was willing hang with us until we felt comfortable to take the next step. We never felt pressured or rushed.

We sincerely appreciate your sound advice and how you and your staff went the extra mile for us, keeping us well-informed every step of the way. WE LOVE OUR NEW HOME! A year ago, we didn’t believe this move was possible. Now, we are certain it was made into a reality in no small part because of you and the Granite Equity team. We have, and will continue to recommend you to all our friends and family.

Thank you! Thank you! Thank you!