Business Details
Your Trusted Mortgage Broker for Competitive Rates
At Loans By Shantel, we specialize in providing tailored mortgage solutions to help clients achieve their homeownership goals. Our experienced team of mortgage advisors guides clients through the home purchase or refinancing process with efficiency and expertise. We offer competitive rates for home purchase loans, enabling clients to secure their dream homes at affordable prices. Our refinancing options help reduce monthly payments and long-term interest costs through strategic rate adjustments.We provide free pre-approval letters, property evaluations, and cash-out refinance opportunities to maximize home equity. Our streamlined online application process ensures fast funding, often within 30 days, while our rate comparison tools empower clients to make informed financial decisions. With personalized support and a commitment to transparency, we help clients navigate mortgage options that align with their unique financial situations.
Services
Home Purchase Loans
Refinancing Options
Debt Consolidation
Cash-Out Refinance
Rate Comparison Tools
Property Evaluation
Pre-Approval Letters
Online Applications
Highlights and features
- Our experienced mortgage advisors guide clients through seamless loan processes
- We offer competitive rates for home purchase and refinancing options
- Fast funding available with loan approvals often completed in 30 days
- Free pre-approval letters help clients understand their home buying budget
- Custom rate comparison tools empower informed mortgage decisions
Associations and certifications
- NMLS
What people say
Easier or smoother
On top of everything
Makes everything a breeze
Services
Home Purchase Loans
We provide customized home purchase loan options with competitive rates to help first-time buyers and experienced homeowners secure their ideal properties. Our advisors compare multiple loan products to find the best fit for your financial situation. With streamlined application processes and fast funding options, we help turn homeownership dreams into reality within 30 days.
Refinancing Options
Our refinancing solutions help homeowners reduce monthly payments and long-term interest costs through strategic rate adjustments. We offer traditional refinancing and cash-out options to leverage home equity for major expenses. With personalized guidance, clients can optimize their mortgage terms to match current financial goals and market conditions.
Rate Comparison Tools
Our digital rate comparison platform allows clients to evaluate multiple mortgage offers side-by-side. This transparent tool helps identify the most favorable terms based on individual financial profiles. Users can compare interest rates, loan durations, and payment structures to make data-driven mortgage decisions.
Pre-Approval Letters
We offer free pre-approval letters that help buyers understand their budget before house hunting. These official documents strengthen purchase offers by demonstrating financial readiness to sellers. The process requires minimal documentation and provides clear insights into qualifying loan amounts.
Cash-Out Refinance
This service allows homeowners to access built-up equity through refinancing at favorable rates. Funds can be used for home improvements, debt consolidation, or other major expenses. Our advisors help calculate optimal loan-to-value ratios while maintaining financial stability.
Questions
How do I start the mortgage application process?
Begin by selecting your loan type through our online tool, then complete our streamlined 100% online application with basic financial information.
What documents are needed for pre-approval?
We require proof of income, asset statements, and identification. Our advisors will guide you through specific requirements during the initial consultation.
How long does mortgage approval take?
Most approvals complete within 30 days through our fast funding process, with some cases finalized in as little as 15 days.
Can I refinance with bad credit?
We evaluate applications holistically, considering credit history improvements and current financial stability when assessing refinance options.
What's the difference between fixed and adjustable rates?
Fixed rates maintain consistent payments over the loan term, while adjustable rates offer initial lower rates that may change periodically based on market conditions.
How does cash-out refinance affect my equity?
This option provides access to built-up equity while maintaining homeownership, with new loan terms based on current property value and outstanding mortgage balance.
