Rated 5/5 by Thousands of Users
Structural Mortgages
Unlock the best mortgage rates with personalized, no pull credit and expert guidance every step of the way
Licensed & Insured
Award Winning Service
Better than Market Rates
Building Dreams One Home at a Time
At Structural Mortgages, we understand that buying a home is one of the biggest decisions you’ll ever make. With over 20 years of experience in the mortgage industry, we’re committed to making your home financing journey as smooth and stress-free as possible.
Expert Guidance
Our certified mortgage specialists provide personalized advice tailored to your unique situation.
Competitive Rates
We work with multiple lenders to ensure you get the best possible rates and terms.
Fast Approvals
Our streamlined process means you can get pre-approved in as little as 24 hours.
Trusted Mortgage Solutions for Every Homebuyer
From first-time homebuyers to seasoned investors, we offer a wide range of mortgage products to meet your needs.
Home Buying
Start your homeownership journey with confidence. Whether you’re a first-time buyer or moving to a new home, we provide clear guidance, competitive rates, and simple options that make the buying process smooth and stress-free.
Refinancing
Refinance your mortgage with ease. Lower your monthly payments, reduce your interest rate, or use your home equity to reach your financial goals. We offer straightforward refinancing options designed to save you money.
Helocs
Use the value in your home when you need it. A Home Equity Line of Credit (HELOC) gives you flexible access to funds for improvements, debt payoff, or major expenses—helping you manage life’s big moments with ease.
Calculators
Plan smarter with our easy-to-use tools. Explore mortgage and payment calculators to estimate costs, compare loan options, and understand what fits your budget. Make informed decisions with clear numbers.
Pre-Qualify Safely Without Any Credit Impact
Check what you qualify for without affecting your credit score, paying any fees, or feeling stressed.
Conventional Loans
Ideal for buyers with strong credit and steady income. A reliable option with flexible terms and great rates.
FHA Loans
Designed for low-to-moderate income borrowers. Government-backed support with easier qualifications.
VA Loans
Exclusive financing for veterans and service members. Offers flexible terms and no-down-payment options.
USDA loans
Great for eligible buyers in rural communities. Zero-down financing with affordable loan terms.
Refinancing
Lower your monthly payments or interest rate. Use your home equity to reach financial goals.
Renovation Loans
Finance upgrades or improvements with ease. Fold renovation costs into your mortgage.
Your Path to Homeownership Starts Here
A clear, guided 4-step process that makes securing your mortgage simple, fast, and stress-free.
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Application
Begin by completing our simple online application or connecting with a loan officer. During this step, you’ll provide basic information about your finances and the property so we can start your loan file accurately.
Pre-Approval
Once your details are submitted, we review your finances and issue a pre-approval—usually within 24 hours. This gives you a clear budget and a pre-approval letter to use while searching for your new home.
Processing
Our team gathers all required documentation, works with appraisers, verifies information, and prepares your loan for final review. Throughout this stage, we keep you informed and updated so you always know what’s happening.
Closing
After the final approval, you’ll sign your closing documents and receive the keys to your new home. We guide you through each step to make the closing process smooth, quick, and stress-free.
What Our Clients Say
Dont just take our word for it. Hear from homeowner who’ve trusedus with their mortagage needs.