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  • Get cash for home improvements or debt consolidations
  • Lower your rate and your payment amount
  • Pay off your loan more quickly
  • Convert your adjustable-rate loan to a fixed-rate loan
  • Remove Private Mortgage Insurance (PMI)



The Certified Federal Advantage

With Certified Federal, you can expect best-in-class service from the time you first contact us, until your loan is completely paid off.

  • No upfront fees for application, appraisal, origination, rate lock-in, etc.
  • No rate lock-in worries!  We will lock in your rate at the time of application, until the close of the loan.
  • Very competitive rates.
  • A simple process with NO surprises.
  • Common-sense underwriting.