• Still waiting for the perfect moment to refinance? It's already here
  • A home loan is more than just a mortgage application
  • Break free of your current high rate mortgage. Average credit, low income, or low downpayment? You still have options!
  • Partnering with the right mortgage company means a smooth transition to a new mortgage
  • Worked hard all your life to build up some equity in your house? Discuss cash-out refinance options with our experts.
  • Monthly payments and expenses giving you pause? A debt consolidaton or interest rate reduction refinance could be the answer

  • Consistent mortgage payment!
  • Prepay in part or full anytime
  • Low Rate and Low Cost options
  • Pay off your loan faster!
  • Low Rate and Low Cost options
  • The financially astute option
  • Appraisal Waivers available
  • Underwater Mortgages covered
  • Negative Equity not a problem!
  • Qualify with low income/equity
  • Great for not-so-great credit!
  • The security of federal insurance

Learning Center

Real estate investment trusts – A Reliable Leading Housing Indicator

Aggregate_REIT_Index_SP_400_ thumb

REITS are the mutual funds of real estate and mortgages and can therefore give us a good sense of the trend in home prices and mortgages. What are they indicating?
Read more

How Does Slow Lending Affect You?


We all knows that banks have been giving out loans much slower in the last few years than they have before. But have we considered the domino effect of this lending slowdown, other than the obvious?
Read more

Should You Buy Mortgage Origination and Discount Points?


This post will discuss the two types of mortgage points: Discount & Origination points – one area that both home-buyers & refinance borrowers have difficulty understanding.
Read more

4 Reasons why once you work with us, you won't go elsewhere

  • No hidden fees. No surprises. Ever.

  • We meet deadlines. We use the latest technology such as electronic signing (E-Sign) and paperless processing to ensure minimum effort on your part and speedy processing on ours.

  • We'll tell you what you don't want to hear, when required. Our regard for your financial well being won't allow us to compromise on telling you what you need to know. If this means we occasionally lose new business to less scrupulous competitors who make unrealistic promises, so be it.

  • Two-third of our business is from repeat customers and referrals. We will make you happy.

DON'T MISS OUT – Get a quick custom quote! Call (800) 999-8911 or fill out this form now.

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The team at Certys Financial Inc. are above and beyond in their customer service. Congratulations. –Alma Montes, Spring, TX.

The team at Certys Financial is very professional, listened calmly to my questions and answered promptly and courteously. They have done a great job!! –Don Sturmer, Lubbock, TX.

It's important to us that we obtain the best/lowest interest rate possible while minimizing costs and we were impressed with you and your company and feel that we can accomplish this with your help.Joseph Chavez, Corpus Christi, TX

It was the best professional experience I had so far. I liked the way the entire loan process worked out. Certys Financial Team was really patient in handling our never-ending list of questions & doubts on the legitimacy of the company. I am really glad to have trusted Certys Financial Inc. & can't imagine my loan in a better position. I will definitely recommend you guys to anyone with mortgage needs.Victor Medina, Richmond, TX.

I had my fears about doing business over the phone and was reluctant to move forward in the beginning however would recommend anyone and everyone to do business with Certys Financial Inc. as you guys deliver what you promise. If I ever need any Mortgage assistance, I know where to go...Anna Perkins, Waco, TX

The service that I have received from your company is spectacular. The work that your team has done is great, your team maintained customer service and answered all the never-ending questions that I had! I really appreciate all the effort he has put into the closing of our home. I will spread the good word about your company to all my family and friends.
Thanks again. Sameera Sidik, Richmond, TX

You were great. Truly professional. They Handled all our questions with a lot of patience. We will definitely refer you to friends & family. Jake Berry, McKinney, TX

There were absolutely no surprises or misleading numbers during this entire process. Everything that was presented in the beginning was spelled out clearly and transparently. I will definitely recommend you to friends and you can be sure that if I ever need another loan, I will check with them first! Colin Grant, Lantana, TX

Your team was extremely helpful during the loan process of refinancing our house. I will certainly recommend your company to my friends and family. We are now long term clients and will use them for all future endeavors. Maria Rodriguez, El Paso, TX