Independent Mortgage Bankers Expert Mortgage Solutions
Personalized service, competitive rates, and tailored loan options to fit your needs. Let us help you make homeownership a reality!
Who we are
Flexible, adaptable, and adjustable plans to fit your needs.
At Terranova Mortgage, we are truly passionate about our profession. Our mission is to carefully guide you through the entire home loan and mortgage refinancing process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, our mortgage specialists are ready to guide you through each and every step of getting your mortgage for a new home purchase or home refinance.
Whether you are a first time home buyer or an existing home or condo owner looking to refinance your existing mortgage, we can help you realize that your home is truly a valuable financial tool, and provide mortgage options that make sense for you!
You only think about home financing a few times during your life – we think about it every single day. We’re ready to work for your best interest to provide you with the best mortgage solution that fits your life.
2002
Low Rate. Zero Hassles.
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Mortgage Solutions Designed For You
Buying a home is an exciting milestone, and we're here to make the process smooth and stress-free. With a variety of mortgage options available, we’ll help you find the best solution for your needs.
Refinancing your home can help lower your monthly payments or access valuable equity. Our team will work with you to explore the best options and find a solution that aligns with your financial goals.
Explore a wide range of loan options tailored to your unique needs. Whether you're buying, refinancing, or accessing equity, we offer flexible solutions to help you achieve your homeownership goals.
Our Value
Here’s how we ensure your transaction goes smooth and fast.
This is where we go over your goals to better understand your specific situation and needs.
This is where we take the info from our call and build out some of the best options on the market for you regarding rates, closing costs, and program structures.
This is where we go over what we found. If you decide you want to keep what we propose, we put your loan into process.
Our team will guide you every step of the way to gather all the necessary documents to get you on your way.
Goals
What are your goals? We are committed to helping you reach them.
Trusted guidance, flexible financing, and a commitment to your homeownership goals. Your journey starts here!
Purchase
Refinance
What we offer
Mortgages so simple, you see what you get.
Lock in a consistent monthly payment with a Fixed Rate Mortgage. Enjoy long-term stability and peace of mind, knowing your interest rate will never change, making it easier to plan for the future.
- Predictable monthly payments for stability.
- Interest rate stays the same for the loan's life.
- Ideal for long-term homeownership.
- Protects against market rate increases.
- Available in various term lengths.
Buying your first home is an exciting journey, and we’re here to guide you every step of the way. Explore loan options designed for first-time buyers and make your dream of homeownership a reality.
- Loan programs with lower down payments.
- Assistance options may be available.
- Competitive interest rates for new buyers.
- Guidance through every step of the process.
- Makes homeownership more affordable.
Refinancing your mortgage can help you lower your rate, reduce monthly payments, or tap into your home’s equity for financial flexibility. Explore your options today and see how refinancing can work for you.
- Lower your interest rate and monthly payments.
- Switch to a different loan term.
- Consolidate debt using home equity.
- Remove private mortgage insurance (PMI).
- Adjust your loan type for better terms.
Eligible veterans and service members can take advantage of VA Loan Refinance options to lower their rate, reduce payments, or access home equity—offering exclusive benefits with flexible terms
- Exclusive to veterans and service members.
- Lower rates with flexible loan terms.
- Options for cash-out or streamline refinance.
- No private mortgage insurance (PMI) required.
- Helps reduce monthly payments or access equity.
An FHA loan offers flexible credit and low down payments, making homeownership more accessible. Ideal for first-time buyers or those with limited savings, this government-backed loan provides competitive rates and easy approval.
- Borrow against your home’s equity as needed.
- Flexible credit line with revolving access.
- Use funds for home improvements or expenses.
- Pay interest only on what you use.
- Competitive interest rates compared to others.
Designed for rural and suburban buyers, a USDA loan offers zero down payment and low rates. This government-backed program helps eligible buyers achieve affordable homeownership.
- Convert home equity into cash for expenses.
- Ideal for home renovations or debt consolidation.
- May secure a better interest rate.
- Replace your current mortgage with a new one.
- Funds can be used for any financial needs.
How it Works
Let us help you get your home today.
We simplify the mortgage process with clear guidance at every step, from consultation to closing.
During the initial consultation, we’ll discuss your goals and financial situation to determine the best mortgage options. Our team will guide you through the process, ensuring clarity and confidence.
Once we’ve discussed your options, we’ll collect the necessary documents for your application. This step ensures we have all the information needed to move forward efficiently and accurately.
After collecting your documents, we’ll carefully evaluate your application and financial details. Once approved, we’ll present you with the final loan options that align with your needs.
Once the loan is approved, we’ll finalize the paperwork and begin the disbursement process. Our team will ensure everything is handled smoothly, allowing you to access your funds without delay.
No prepayment penalties. You can pay early without a charge.
Enjoy the flexibility to pay off your loan on your terms. Make extra payments or pay in full without worrying about fees or penalties.
Our team is here to guide you from start to finish. We provide expert support, clear communication, and personalized solutions to make your home financing journey smooth and stress-free.
Enjoy a personalized lending experience with a dedicated loan concierge. We’ll assist you every step of the way, ensuring your mortgage process is seamless, efficient, and tailored to your needs.
Get competitive rates and low fees that fit your budget. We offer flexible financing options designed to keep homeownership affordable while meeting your unique financial goals.
Talk with a Lending Specialist.
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Testimonial
Client Feedback
"I had an exceptional experience working with Team Terranova for my home loan. Their team guided me through the entire process, answering all my questions and ensuring a smooth and hassle-free application. Thanks to their expertise, I secured a great mortgage rate and now I'm living in my dream home. Highly recommended!"
"Team Terranova made the mortgage process simple and stress-free. Their knowledgeable team provided me with personalized guidance, helping me understand my options and choose the right loan for my needs. They were responsive and professional throughout, and I couldn't be happier with the results. Thank you, MortgaVista!"
"I am extremely grateful to Team Terranova for their exceptional service. They went above and beyond to ensure I received the best mortgage terms possible. The team was attentive, detail-oriented, and provided timely updates at every stage. I highly appreciate their expertise and dedication. MortgaVista is the go-to solution for anyone seeking reliable mortgage services."