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Purchasing a home is a great accomplishment, but housing prices can be difficult, especially when you figure in interest rates, closing costs and homeowner’s insurance. When checking for the best mortgage rates  make sure to check out St. Michael Mortgage, LLC. We offer many loan options, with great customer service and knowledge. 

We offer a variety of different mortgage options to ensure that you get the best rates possible. We will help you understand the different types of mortgages so you can make the best choice possible. While interest rates make a big difference in your monthly payments and the total amount of money you will have to repay, you can save additional funds by choosing the right mortgage loan. Many potential homeowners do not understand that there are several options regarding home loans. We’re here to help.


Getting pre-approval for a home loan before you shop gives you the advantage of being prepared for success in a number of ways. Know the flexibility of your home buying budget, and be informed about your best mortgage options. Your pre-approval letter gives you more buying power with your offer and makes the mortgage approval the easiest part of your home buying experience.



Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you.


  • Are you tired of your adjustable-rate that never seems to stop adjusting?

  • Is Private Mortgage Insurance (PMI) getting you down when it doesn’t need to?

  • Has the time come to save more money every month?

  • Are mortgage rates currently lower than what your rate is?

  • Will other financial opportunities present themselves as you refinance?


Refinancing is an easy way to solve many of your mortgage worries. Getting a lower monthly rate and paying less over the life of your loan just makes sense. At St. Michael Mortgage, LLC we’re ready to find the right refinancing solution for you. Our staff of refinance experts will help you evaluate your mortgage needs and draft a refinancing plan that will save you money.

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