Certys Financial Inc

Certys Financial Inc. is a mortgage lender offering home loans and refinancing options, including fixed-rate mortgages (30, 20, 15, and 10 year terms), HARP refinance, and FHA loans. They focus on providing low-rate, low-cost options and aim to guide borrowers through the refinancing process based on their individual financial goals.

The company emphasizes transparency with no hidden fees and a commitment to meeting deadlines. They use technology like electronic signing and paperless processing to streamline the loan process. Certys Financial claims that two-thirds of their business comes from repeat customers and referrals.

Certys Financial operates in Texas and California, with offices in Riverside, CA, and Dallas, TX. They offer purchase mortgages with as little as 5% down and refinances up to 95% of property value. The minimum credit score requirement is 620 for some loan products.