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Apply online now

You can now apply totally online - and even sign your application electronically right on our website.  Click on the APPLY NOW button and you will be able to send us your information for a quick approval.  No obli ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-I ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


Apply online now

You can now apply totally online - and even sign your application electronically right on our website.  Click on the APPLY NOW button and you will be able to send us your information for a quick approval.  No ...

Reverse Mortgage Seminar Schedule

We are hosting a number of Reverse Mortgage seminars locally. Johnstown March 18 2pm at Eat N Park Duncansville (Altoona Area) March 25 2pm at The Tea Merchant 101 Please contact Lora Larimer to reserve your spot 814-931-1018 lora@circuitmortgage.com
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Welcome Andres Munar

Andres Munar is our newest MLO (Mortgage Loan Originator).  Most recently Andres worked with Semper Loans in State College.  We are looking to open an office in State College and have Andres manage it for us. Welcome aboard Andres!
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Seven Things Your Agent Should Know About Your Mortgage Approval

While many experienced real estate agents have a general understanding of the mortgage approval process, there are a few important details that frequently get overlooked which may cause a purchase to be delayed or denied. New regulation, updated disclosures, appraisal guidelines, mortgage rate pric ...
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Do I Need To Sell My Home Before I Can Qualify For A New Mortgage On Another Property?

Although every situation is unique, it is not uncommon for homebuyers to qualify for a mortgage on a new home while still living in their primary residence. Perhaps you are outgrowing your current house, or have been forced to relocate due to a job ...
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What Do Appraisers Look For When Determining A Property's Value?

Most people are surprised to learn what appraisers actually look at when determining the value of a real estate property. A common misconception homeowners generally have is that the value of their home is determined after the appraiser has completed their physical property inspection. However, th ...
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