--- title: "Mortgage Service Areas | PierPoint Mortgage" description: "Home loans in 15 states for purchase, refinance, VA, FHA, jumbo & investor programs. Local brokers compare 100+ lenders; 25-day close. Call: (231) 737-9911" author: "PierPoint Mortgage" date: "2026-03-29" tags: ["home loans 15 states"] canonical: "https://pierpointmortgage.com/service-areas/" last_updated: "2026-06-10" --- # Mortgage Service Areas | PierPoint Mortgage **By PierPoint Mortgage** | March 29, 2026 Home loans in 15 states for purchase, refinance, VA, FHA, jumbo & investor programs. Local brokers compare 100+ lenders; 25-day close. Call: (231) 737-9911 --- Service Areas [PierPoint Mortgage](https://pierpointmortgage.com/) connects borrowers with licensed mortgage brokers in 19 metro areas spanning 15 states. Whether you are purchasing your first home, [refinancing](https://pierpointmortgage.com/mortgage-refinancing/) an existing mortgage, or financing an investment property, our local teams understand the lending landscape in your market. ## Where We Operate Each office is staffed by brokers who know the local real estate dynamics, state-specific lending requirements, and regional assistance programs available to borrowers in that area. ### [Alabama](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/) [Auburn](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-auburn-al/), [Birmingham](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-birmingham-al/), [Decatur](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-decatur-al/), [Dothan](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-dothan-al/), [Florence](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/mortgage-broker-florence-al/) [+ 10 more](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-alabama/) 15 cities ### [California](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) [Anaheim](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-anaheim-ca/), [Bakersfield](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-bakersfield-ca/), [Chula Vista](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-chula-vista-ca/), [Fresno](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-fresno-ca/), [Irvine](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-california/mortgage-broker-irvine-ca/) [+ 10 more](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-california/) 15 cities ### [Colorado](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/) [Arvada](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-arvada-co/), [Aurora](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-aurora-co/), [Boulder](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-boulder-co/), [Broomfield](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-broomfield-co/), [Centennial](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/mortgage-broker-centennial-co/) [+ 10 more](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-colorado/) 15 cities ### [Connecticut](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/) [Bridgeport](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-bridgeport-ct/), [Bristol](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-bristol-ct/), [Danbury](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-danbury-ct/), [Hartford](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-hartford-ct/), [Meriden](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/mortgage-broker-meriden-ct/) [+ 10 more](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-connecticut/) 15 cities ### [Florida](https://pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/) [Cape Coral](https://loans.pierpointmortgage.com/mortgage-broker/mortgage-broker-florida/mortgage-broker-cape-coral-fl/), [Coral 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homebuyer assistance programs vary widely from state to state. A broker licensed in your state navigates those differences daily and ensures nothing is overlooked. ### Access to Regional Lenders Beyond the national banks, every market has community lenders, credit unions, and portfolio lenders offering competitive products that larger brokerages may not access. Our network includes them. ### Faster Communication Working within your time zone and market means faster response times, same-day document reviews, and a closing process that stays on track even when last-minute issues arise. --- ## Our Full Range of Mortgage Products Every PierPoint office offers the same comprehensive lineup of every mortgage product in the industry, from conventional and government-backed loans to specialty programs designed for investors, self-employed borrowers, and foreign nationals. ### Home Purchase Loans Conventional, FHA, VA, USDA, and [Jumbo loans](https://pierpointmortgage.com/jumbo-loans/) tailored to first-time buyers, move-up buyers, and luxury home purchasers. ### Refinancing Rate-and-term refinancing, cash-out refinancing, and streamline refinance programs for FHA and VA borrowers looking to lower their rate or tap equity. ### Reverse Mortgages Home Equity Conversion Mortgages (HECMs) for homeowners age 62 and older who want to convert home equity into tax-free funds without monthly mortgage payments. ### Specialty & Investor Loans [DSCR](https://pierpointmortgage.com/dscr-investor-loans/), bank statement, profit-and-loss, fix-and-flip, foreign national, manufactured home, hard money, and new construction financing. โ˜… 4.9 / 152 Reviews ยท 26-Day Average Close ## Skip the Bank. Beat Their Rate. Our licensed local brokers shop **100+ wholesale lenders** to find your lowest rate, the average homeowner saves **$3,400** over the bank's offer. Get matched with a broker in your state today. [Start Saving Now โ†’](https://shannonswartz.zipforhome.com/LoanApplication/Contact?Language=E&IsStart=Y)[๐Ÿ“ž (231) 737-9911](tel:+12317379911) --- **Shopping a mortgage in one of our 15 states?** PierPoint Mortgage is an independent brokerage, NMLS #112844, licensed since 2003. We compare wholesale rate sheets from 100+ lenders instead of selling one bank's products, and give you a written quote before you commit to anything. - Free rate comparison: (231) 737-9911 - Apply: https://pierpointmortgage.com/apply/ - Full page: https://pierpointmortgage.com/service-areas/