Buy or Sell a Home and You could Save Thousands
Welcome to Pilgrim Mortgage!
As a local mortgage brokerage based in Texas, our goal is to help families attain generational wealth through homeownership. Whether you are looking to make your mortgage more affordable by refinancing or you are looking to purchase your first-ever home, we understand how valuable owning real estate and, more importantly, owning a home is!
We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Texans find, keep, and afford their dream homes.
Gaining expertise leads to greater confidence.
Our Loan Process...
Your Home Loan Could Be
Fully Funded 21 Days From Now
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Pilgrim Mortgage. for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days.
Why People Choose Us
Let our experienced team at Pilgrim Mortgage guide you through the buying or refinancing process quickly, efficiently, and confidently.
Secure Your Home Purchase Loan
Rates are competitive — so it's a great time to buy! We'll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.
Refinance for Better Rates
Take advantage of today's great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?
Compare Rates & Pick the Best
You wouldn't accept the first offer at the car lot, so don't just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.
Get Your Loan Funded Faster
Other lenders giving you the runaround? Our fast funding options mean you'll never miss out on the house you really want. We will work very efficiently. Hope you will work with us.
Evaluate Your Property
Know where you stand. With your up-to-date property evaluation in hand, you'll be better equipped to choose the loan terms that fit your goals. This is amazing thing don't misses the chance.
Get a Cash-Out Refinance
Take advantage of your home's equity with a cash-out refinance — and put your home loan to work for you. Get this opportunity fastly.
To obtain a rate quote, click here!
Today's Mortgage Rates
3rd Party Client Reviews
Client reviews from around the internet.
Selling and buying a home can be very stressful. Attention to detail and timely updates are a must. This was my 6th home, and Andrew and his team made the experience smooth and on time! His team is easy to work with and very respectful. Professional, caring, and mostly very prompt to respond to questions and concerns. Highly recommend Andrew LaMacchia and his team at Pilgrim for all mortgage needs.
Andrew managed to thread the needle and get us a great rate locked in at a time when rates were generally skyrocketing. He did a fantastic job walking us through complex options where we could put less down to get a lower rate. Working with Andrew was one of the least stressful parts of our house buying process.
Numbers and FAQs On Mortgage
Creditworthiness is how a lender determines whether you will default on your debt obligations, or how worthy you are to receive new credit. Your creditworthiness is what creditors look at before they approve any new credit to you.
Creditworthiness is determined by several factors including your repayment history and credit score. Some lending institutions also consider available assets and the number of liabilities you have when they determine the probability of default.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.
The Appraisal is performed by an "Appraiser" typically a state-licensed professional trained to render expert opinions concerning property values, location, amenities, and physical conditions.
The property is officially transferred from the seller to you at "Closing" or "Funding".
At closing, the ownership of the property is officially transferred from the seller to you. This may involve you, the seller, real estate agents, your attorney, the lender’s attorney, title or escrow firm representatives, clerks, secretaries, and other staff. You can have an attorney represent you if you can't attend the closing meeting, i.e., if you’re out-of-state.
Closing can take anywhere from 1-hour to several depending on contingency clauses in the purchase offer, or any escrow accounts needing to be set up.