Altius Mortgage

Many homeowners see today’s mortgage rates and immediately assume refinancing is off the table.

But your interest rate is only one part of your total monthly payment—and a lot may have changed since you obtained your current loan: Your home may be worth more. Your loan balance may be lower. Your credit may have improved. You may now have enough equity to reduce or eliminate mortgage insurance. Property taxes and homeowners insurance rates may have changed, too.

Such considerations need to also be included when comparing your current monthly payment with a new one as you contemplate how much your monthly payment could actually drop.

That’s why Altius Mortgage helps our clients compare the COMPLETE picture—including your remaining balance and term, mortgage insurance, estimated taxes and insurance, closing costs, break-even point, and projected total interest.

Because refinancing could not only give you a big chunk of money to pay off debt, take a vacation, or make an important purchase, it could also drop your monthly payment – often substantially so.

“I’ll gladly work with them again!” Thanks for your business and your 5-star review, Phil! We appreciate you.

THIS CONTEST IS NOW CLOSED. Thanks to all who participated! Ben Pickens is our randomly selected winner! Ben, please email us your mailing address at Altiusprizeclaim@dealiciousbgDOTcom (put the . instead of dot) and we'll get your prize right out to you!

We're giving away an Applebee’s card right here and all you have to do is like this (or the matching post on one of our other social pages) so we know you want it!

We will randomly select and announce someone right here by 5pm next Friday. They will then have two weeks to claim it so be sure to check back to see it’s you!

At Altius Mortgage, we know that owning one investment property can be a great start—but building lasting real estate wealth often requires a thoughtful strategy for growing and diversifying your portfolio.

And the right financing may help you expand into different properties, locations, or rental types—often without waiting until you can pay entirely in cash.

That could include a conventional investment loan, a DSCR loan that considers the property’s expected rental income, a portfolio loan with more flexible underwriting, or financing that allows you to access equity from properties you already own.
Diversification can also help spread risk. For instance, if one property experiences a vacancy or something in the market slows, income from other investments can help provide greater stability.

At Altius Mortgage, we help investors think about such things and build financing strategies around their goals, available equity, expected cash flow, and comfort with risk.

So whether you’re considering your first rental or are preparing to expand an established portfolio, let’s explore the financing options that could help you take the next step.

“We are so grateful for his help!” We’re glad to hear it, Justin! Thank you for your kind words and for your 5-star review!

At Altius Mortgage, we’ve learned that most homebuyers compare mortgages by looking at their interest rate alone. But the amount you pay monthly for your mortgage insurance can have just as much of an impact on what you pay over time.

After all, while many loans let you remove mortgage insurance once you've built up enough equity, others require you to keep paying it for the life of the loan unless you refinance.

That means two loans with similar interest rates can have very different long-term costs.

That's one reason the best mortgage isn't always the one with the lowest rate—it's the one with the lowest overall cost.

It’s why our loan officers help our clients look beyond the interest rate to understand every part of their loan, so they can make the smartest financial decision for today and tomorrow.

THIS CONTEST IS NOW CLOSED. Thanks to all who participated! Alicia Dansby is our randomly selected winner! Alicia, please email us your mailing address at altiusprizeclaim@dealiciousbgDOTcom (put the . instead of dot) and we'll get your prize right out to you!

We're giving away a Best Buy card right here and all you have to do is like this (or the matching post on one of our other social pages) so we know you want it!

We will randomly select and announce someone right here by 5pm next Friday. They will then have two weeks to claim it so be sure to check back to see it’s you!

At Altius Mortgage, our clients are often surprised to learn that one number can save them thousands of dollars—and it's usually not the one they’re thinking of.

That number is your credit score, and taking the time to improve it by even 20 to 40 points can help you qualify for a lower interest rate. That seemingly small improvement can translate into lower monthly payments and potentially save you tens of thousands of dollars over the life of your loan.

And the best news is that raising your score isn't always about making huge financial changes. Paying down credit card balances, making every payment on time, avoiding new debt, and checking your credit report for errors can all make a meaningful difference.

That's why we encourage buyers to talk with us before they start house hunting. Because if there are simple steps that could strengthen your credit and improve your financing options, we'd rather help you make them at the beginning—because a little preparation today can pay off for years to come.

“I couldn't be happier with the experience.” We love hearing that, Shan, and appreciated the opportunity to serve you!

Buying a home is one of the biggest financial decisions you'll ever make—but it shouldn't be one of the most confusing.

Yet between loan options, interest rates, down payments, closing costs, and endless online advice, it's easy to feel overwhelmed before you even start.

That's where we come in. At Altius Mortgage, we believe an informed buyer is a confident buyer, which is why we take the time to explain your options in plain English, answer every question, and guide you through each step of the process so you always know what's happening and why.

No pressure. No confusing jargon. Just honest advice and personalized mortgage solutions designed around your goals.