Our Services

At Climb Mortgage, we offer a comprehensive range of mortgage solutions designed to meet the unique needs of our clients. Whether you're purchasing a home, investing in real estate, refinancing, or expanding your business, our team of mortgage experts is here to guide you through every step of the process. Below is a detailed overview of the services we provide, ensuring you find the right mortgage or loan option for your financial goals.

Home Purchase Loans

Buying a home is one of the most significant financial decisions you'll make, and Climb Mortgage is here to ensure that you have the right financing options available. We offer a variety of loan programs for first-time homebuyers, repeat buyers, and investors. Our team works with you to assess your financial needs and provide tailored loan solutions, including:

Conventional Loans: Ideal for borrowers with good credit and stable income, offering competitive rates and flexible terms.
FHA Loans: Perfect for first-time homebuyers, FHA loans feature low down payments and more flexible credit requirements.
VA Loans: Designed specifically for veterans, active-duty military, and eligible spouses, VA loans offer no down payment, no PMI, and favorable terms.
Jumbo Loans: For luxury home purchases or high-cost properties that exceed conventional loan limits.
Second Home Loans: Whether you’re looking to buy a vacation retreat or an investment property, we offer competitive loan options for purchasing second homes.

Refinancing Options

Refinancing your mortgage can help you lower your monthly payments, reduce your interest rate, or access the equity in your home. Climb Mortgage provides a wide range of refinancing options tailored to your financial goals:

Rate & Term Refinance: Adjust the interest rate or loan term to reduce monthly payments or shorten your loan duration.
Cash-Out Refinance: Access the equity in your home and convert it into cash for major expenses like home improvements, debt consolidation, or investments.
VA IRRRL (Interest Rate Reduction Refinance Loan): A streamlined refinance option for veterans and military members, allowing them to lower their interest rates quickly and efficiently.
Interest-Only Loans: Pay only the interest on your loan for a set period, making your initial monthly payments lower and giving you more financial flexibility.
Buydown Options: Temporarily or permanently reduce your interest rate with buydown options, allowing you to lower your mortgage payments in the early years of your loan.

Stars & Stripes Equity Loan Program

Our Stars & Stripes Equity Loan Program is designed for any borrower with a 680+ FICO score to access up to 90% Loan-to-Value (LTV) on their property. Whether you're a homeowner looking to tap into your equity for home improvements, debt consolidation, or other major expenses, this program offers competitive rates and no PMI, making it a great choice for borrowers who want to maximize their home's value.

Unlike traditional cash-out refinance options, the Stars & Stripes Equity Loan Program allows borrowers to access more of their home’s equity while benefiting from flexible terms. This program is available to all eligible borrowers with qualifying credit scores, not just veterans, making it a valuable option for those seeking to make the most of their home equity.

Contact Us Today

Ready to start your mortgage journey? Contact Climb Mortgage today for personalized advice, competitive rates, and a smooth lending experience. Whether you’re buying, refinancing, investing, or expanding your business, we’re here to help you climb to new heights in homeownership and real estate investment.