Committed to your needs

Customers first

Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.

Elemental Financial Inc. offers a wide range of home equity line of credit; cash for homes, cash out for personal use, home equity loan refinancing, bill consolidation, best mortgage rates, lowest mortgage rates, credit card consolidation, home improvement loans, fixed rate mortgages and other types of loan solutions that help improve the lives of our clients. With the proper financing, you can buy the home of your dreams, afford an addition or remodel, or refinance your existing loan. We are recognized throughout the industry as a respected financial partner for thousands of customers. From our offices throughout the country, we work to build a mutually beneficial, long lasting relationship with you.

Whether you are seeking a fixed rate loan, fixed rate balloon, standard arm, interest only arm, or simply cash for your home needs, Elemental Financial can assist. Plus, our mortgage rates are among the most competitive in the industry. Along with our high level of customer service, we are leading the way for individuals and families everywhere. Your satisfaction will always be a priority.

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Partnering with Business

Elemental Financial Inc. has a number of business partnerships in place. We form long term relationships, helping your clients get the cash they need now or assisting in debt relief. We keep our partners informed and provide the same excellent service from beginning to end.  We have partnered with some of the best lenders in the industry to best benefit our customers.

If you are seeking home equity loan refinancing, help with bill or credit card consolidation, mortgage financing, a home equity line of credit (HELOC) or general home improvement loan, get in touch with us.

	Top News Mid-Day Recap: Labor Reports Send Markets into Freefall  - 2 days ago The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more) The Day Ahead: Markets Hesitant Ahead of Employment Data - 2 days ago Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more) HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 2 days ago The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more) Mortgage Performance: Fighting Rising Rate of Foreclosures with Loan Modifications - 3 days ago A joint report from the OCC and OTS, which includes 64% of all outstanding mortgages, shows that instances of delinquency continued to increase in the second quarter. Particularly of note is the increasing growth rate of delinquencies among loans backed...(read more) Mixed Data for Real Estate, ISM Index Improves - 3 days ago Three data releases at 10:00 failed to sing in tune with each other. A key indicator of output showed some improvement but is still contracting overall, and while contracts for home purchases are on the rise, spending on the construction of new homes it at historic lows....(read more)