Home Mortgage Loans/Refinance

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Home Loans and Refinancing

Partnering with the right mortgage company can mean...
...a smooth transition to a better mortgage! Arm yourself by reading our experts' suggestions in the "Buying a Home" and "Common Mistakes" sections
Worked hard all your life...
...and built up some equity in your house?
Think it's time to enjoy the fruit of your efforts?
Discuss cash-out refinance options with our experts.
Break free of your current high rate mortgage
Make your house an asset again. Letting us guide you is the first step.
Average credit, low income, or low downpayment? You still have options!
Savvy borrowers know this
A home loan is more than just a mortgage application.
Educate yourself by reading our experts' advice on the links above!
Still waiting for the perfect moment to refinance?
It's already here!
Monthly payments and expenses giving you pause?
A debt consolidation or interest rate reduction refinance could be the answer.

Talk to us today to lock in an all-time low rate!
Get Pre-qualified Now
(424) 367-0056

We take great pride in providing a seamless and efficient experience for our clients. Here’s what sets us apart:

1. Fast Closings
We specialize in quick transactions, with the ability to close deals in as little as two weeks, ensuring a smooth and hassle-free process.

2. Low Closing Costs
Our commitment to affordability means we offer some of the lowest closing fees in the industry, helping our clients maximize their savings.

3. Proven Reputation
We maintain an A+ rating with the Better Business Bureau (BBB), a testament to our dedication to integrity, transparency, and exceptional service.

4. Experience You Can Trust
With over 11 years in business, we have built a strong track record of successfully serving our clients, backed by extensive industry knowledge and expertise.

Let us help you achieve your goals with speed, savings, and reliability!
30 year
  • Low Monthly Payments for Easier Budgeting
  • Predictable Long-Term Costs Without Surprises
  • More Flexibility for Savings and Investments
15 year
  • Pay Off Loan Faster, Save Interest
  • Build Home Equity Much Quicker
  • Lower Interest Rates Compared to 30-Year
Affordable Home Refi
  • Reduce Monthly Payments for Better Cash Flow
  • Access Home Equity for Additional Funds
  • Lower Interest Rates, Save on Payments
FHA loans
  • Lower Down Payment Requirements
  • Easier Qualification for First-Time Buyers
  • Flexible Credit Score Criteria

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4 Reasons to Choose Us as Your Lender

1. Transparency You Can Trust
We guarantee no hidden fees and no surprises—ever. You’ll always know exactly what to expect.

2. Efficient and Reliable Service
Our streamlined processes, including electronic signing and paperless documentation, help us meet deadlines and reduce hassle for you.

3. Honesty Above All
We prioritize your financial well-being. That means telling you the truth, even when it’s not what you want to hear—because integrity comes before business.

4. Proven Satisfaction
With two-thirds of our business coming from repeat customers and referrals, our focus is on building lasting relationships and ensuring you’re genuinely satisfied.

OUR CLIENTS LOVE US!

Alma Montes, Spring, TX.
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The team at Certys Financial Inc. are above and beyond in their customer service. Congratulations.
Don Sturmer, Lubbock, TX.
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The team at Certys Financial is very professional, listened calmly to my questions and answered promptly and courteously. They have done a great job!!
Joseph Chavez, Corpus Christi, TX
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It's important to us that we obtain the best/lowest interest rate possible while minimizing costs and we were impressed with you and your company and feel that we can accomplish this with your help.
Victor Medina, Richmond, TX.
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It was the best professional experience I had so far. I liked the way the entire loan process worked out. Certys Financial Team was really patient in handling our never-ending list of questions & doubts on the legitimacy of the company. I am really glad to have trusted Certys Financial Inc. & can't imagine my loan in a better position. I will definitely recommend you guys to anyone with mortgage needs.
Anna Perkins, Waco, TX
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I had my fears about doing business over the phone and was reluctant to move forward in the beginning however would recommend anyone and everyone to do business with Certys Financial Inc. as you guys deliver what you promise. If I ever need any Mortgage assistance, I know where to go...
Colin Grant, Lantana, TX
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There were absolutely no surprises or misleading numbers during this entire process. Everything that was presented in the beginning was spelled out clearly and transparently. I will definitely recommend you to friends and you can be sure that if I ever need another loan, I will check with them first! Thanks again.
Jake Berry, McKinney, TX
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You were great. Truly professional. They Handled all our questions with a lot of patience. We will definitely refer you to friends & family. Thanks again.
Colin Grant, Lantana, TX
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There were absolutely no surprises or misleading numbers during this entire process. Everything that was presented in the beginning was spelled out clearly and transparently. I will definitely recommend you to friends and you can be sure that if I ever need another loan, I will check with them first!
Maria Rodriguez, El Paso, TX
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Your team was extremely helpful during the loan process of refinancing our house. I will certainly recommend your company to my friends and family. We are now long term clients and will use them for all future endeavors.
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Get a quick custom quote! Call (424) 367-0056 or fill out this form now.
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30-Year Fixed rates rising again = Act Now!

  • Plan to stay in your home for longer than 5 to 7 years?
  • Prefer a consistent mortgage payment for budget planning?
  • Want the peace of mind that comes with a payment that never changes?
  • Having the lowest fixed payment possible is the most important thing to you in the mortgage?

If you answered “Yes” to all of these questions, a 30-year fixed might be right for you!
Since your rate won’t change for the life of your loan, your payment will never increase.

If you answered “No” to one or more of these questions, you should consider options other than the 30 year fixed.

MORE DETAILS

Mortgage Rates on the 15 & 10-Year Fixed rising back up from historical lows

  • Plan to stay in your home for longer than 5 to 7 years?
  • Do you want to pay less interest over the course of your loan than you would on a 30-year mortgage?
  • Do you want the security of a consistent rate and payment?
  • Do you want to pay off your mortgage as fast as possible and are willing to pay a higher payment in order to do so?

If you answered “Yes” to all of these questions, then a 10 or 15-year fixed loan, might be right for you!
Lower rates and a shorter term means less interest overall, making this loan a top choice for the financially savvy.

If you answered “No” to one or more of these questions, you should consider options other than the 10 or 15-year fixed.

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Qualify for the Obama refinance plan even with little or no equity

  • Is your current mortgage a Fannie or Freddie loan taken prior to May 2009?
  • Do you want a mortgage that doesn't penalize you for a checkered credit history?
  • Want to reduce your mortgage payment but don't have enough equity in your house?
  • Like the idea of avoiding the hassle and stress of a property appraisal or inspection?

If you answered “Yes” to these questions, you could qualify for a Home Affordable Refinance Program! You’ll get the lowest rates of any program, saving you thousands over your existing mortgage.

If you answered “No” to one or more of these questions, you could still qualify for this program and take advantage of the great rates and frequent property appraisal waivers!

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FHA Loans Offer Choice to American Homeowners

  • Do you need less stringent qualification and credit requirements?
  • Is your down payment or home equity less than 10%?
  • Do you prefer the security of a government-insured loan?

If you answered “Yes” to all of these questions, an FHA loan may be right for you! The easiest way to qualify for refinancing or home buying, an FHA gives you a government-insured loan with flexible choices – opt for the security of a fixed rate or the versatility of an FHA 5-year ARM. You could qualify for an FHA loan with just a 3.5% down payment.

If you answered “No” to one or more of these questions, you should consider other options too.

MORE DETAILS