• 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.