We are home loan specialists here to help

Seeking to purchase a home? Or want to refinance an existing home?

Home Buyer's Guide

Follow our step-by-step guide to learn how to buy a home.

Refinance Guide

Learn how refinancing can help you save money.

Today's Mortgage Rates

View today's interest rates for a variety of home loans.

Mortgage Calculator

Calculate your monthly mortgage payment using today's rates.

Reviews From Our Happy Clients

Chris went the distance to find us the best refi rate on a property, which enabled us to renovate further. He was efficient, and faster than anyone I've dealt with in the past. It's important to have someone who is working hard to help you, as that usually translates into closing up paperwork quickly. Great job!

Client for Refinance

Highly recommend Expect Mortgage Co!! They helped my wife and I get approved to purchase an investment property and refinanced our current home. Thanks to Chris and the team at Expect Mortgage Co!

Client for Purchase Loan & Refinance

Chris is an extremely knowledgeable, detailed resource for home loans and refinance.

Client for Purchase from Out-of-State

Commonly Asked Questions

Working with a mortgage broker helps you find the lowest interest rates, best terms and loan programs, and a broker can get things done faster than the retail bank lenders.

Using retail bank lenders oftentimes means poor customer service, slow response times, lots of red tape and regulations, and in the end only one loan option to choose from.

At Expect Mortgage, we have easy & convenient tools to run all types of scenarios with rates, terms, monthly payment targets to find you the ideal home loan or refinance that meets all your goals.

Using a licensed mortgage loan originator saves you time and the headache of shopping a loan for a home purchase or refinance. Loan originators have established relationships with a wide variety of wholesale lenders and match you with the best options available.

Let us do all the heavy lifting! Why not have a licensed professional show you all the available loan options while you find a home you love?

The best scenarios to refinance a home loan are when rates drop by at least 0.5%, or it can be shown that you’ll save $100 or more per month on your payment.

Larger loans will give the most return when you refinance, but if your loan is for example $175,000 or less, there is not much advantage to refinance, unless you are reducing the loan terms from 30 years to 15 years, or removing prior FHA mortgage insurance by switching to a Conventional Fixed Rate loan (which can save you up to $250 per month right away).

Let us take a look at your current loan, review all the options, and together decide what is best to meet your goals.

We help people find the lowest interest rates, best terms, and lowest monthly payments to meet their goals for their home purchase or refinance. Our lender partners enable us to shop your request and return results that align with your financial goals.