ABOUT US
Your Mortgage Matters. We Treat It Like Family.
When your work with our team, you receive honest advice and family-level support.
We listen, make the process simple and stress- free, and match you with smart options that fit your needs best.
Why To Choose Home Mortgage Solutions Inc.
More Options. Real Guidance. Trusted Outcomes.
With a full menu of solutions and deep product knowledge, we deliver smart, affordable plans with personalized financing, and steady guidance—so you feel taken care of at every turn.
From Conventional, FHA, VA, USDA, and Jumbo to Non-QM, Bridge, and Home Equity Loans—we tailor the right fit with honest communication and clear hurdles quickly and professionally.
See What Our Clients Say!
Rob was very helpful, responsive and prompt throughout the process. Wouldn’t have been able to close on such a short timeline without him! Highly recommend.
Rob was very helpful, responsive and prompt throughout the process. Wouldn’t have been able to close on such a short timeline without him! Highly recommend.
Jeff was very knowledgeable and easy to communicate with. He explained the numbers and situations in detail, he gave great advice, he always gave me a heads up of what was needed. He was easy to do business with and had my back throughout the home buying process. We were first time home buyers and did not know what to expect. Jeff did a great job of calming my fears. Would recommend him to anyone.
Jeff is outstanding! Very knowledgeable, honest, and a true professional. Mortgages are complicated and a stressful process. Jeff, has a great way of explaining in detail, the process and what the expectations are for all parties.
10/10
10/10
I highly recommend this business for all your home mortgage solution needs. By far Jeff will impress you with his knowledge, passion for what he does and will have the best options for you!
I had an excellent experience working with Kevin Wolford. I was truly impressed by his professionalism and responsiveness. He guided our client through the process seamlessly and was always clear and communicative. Most importantly, he helped us secure FHA loan approval in just 8 days, which kept the deal on track and stress-free. His dedication and efficiency made a huge difference, and I would highly recommend him to anyone in need of a mortgage professional.
I had an excellent experience working with Kevin Wolford. I was truly impressed by his professionalism and responsiveness. He guided our client through the process seamlessly and was always clear and communicative. Most importantly, he helped us secure FHA loan approval in just 8 days, which kept the deal on track and stress-free. His dedication and efficiency made a huge difference, and I would highly recommend him to anyone in need of a mortgage professional.
I had the pleasure of working with Kevin Wolford. He was very knowledgeable and professional. As a first time homebuyer, he was able to save me $1500 at closing. Looking forward to working with him again when It's time to refinance!
I had the pleasure of working with Kevin Wolford. He was very knowledgeable and professional. As a first time homebuyer, he was able to save me $1500 at closing. Looking forward to working with him again when It's time to refinance!
I was originally referred to Jeff through a friend of mine. Since day one, he’s been extremely responsive and very knowledgeable. He took the time to explain to me all the different loan options and the different rates and was very honest and upfront throughout the process. I highly recommend him and his team for any loan services you may need. It’s not easy to find mortgage brokers that are on his level. He even helped give me advice on a loan in another state that he wasn’t able to Provide me his services. Jeff I can’t thank you enough for all your expertise and hard work on my behalf. Thank you so much.!!!
This firm is amazing. Jeff answered all my questions and gave me the opportunity to identify the most effective way. I can highly recommend this firm
Jeff is very knowledgeable and a pleasure to work with. I highly recommend working with Home Mortgage Solutions Inc!!
The process was incredibly simple and Jason provided very good advice and was extremely speedy answering any of my questions.
The process was incredibly simple and Jason provided very good advice and was extremely speedy answering any of my questions.
Great service! Jeff was fantastic to work with!
I have nothing but positive things to say about Jeff and HMS. I had a quick close contract, 21 days and Jeff and his team were able to close my Non-QM loan in 3 weeks! I had shopped around and no one else was able to qualify me until I found HMS. I can’t thank them enough for their efforts and helping me purchase my home.
We've been looking to downsize to a ranch for 4 years. Each time we've found a place Jason at Home Mortgage Solutions has been there with everything we've needed to proceed. Finally after 4years we found the perfect ranch for both of us. I texted Jason and told him that we again have a property we want to make an offer on. As is the market today' there were multiple offers. The sellers were looking for a quick sale and closing. Our offer was accepted with stipulations for a quick closing. Jason had our loan processed and accepted in 8 days! We closed yesterday on our new home. We cannot recommend Jason highly enough! He was there every step of the way. Took care of everything in a professional and efficient manner. We'd give this rating 10 stars if we could!
Jeff And Sue Readout
Jeff And Sue Readout
We've been looking to downsize to a ranch for 4 years. Each time we've found a place Jason at Home Mortgage Solutions has been there with everything we've needed to proceed. Finally after 4years we found the perfect ranch for both of us. I texted Jason and told him that we again have a property we want to make an offer on. As is the market today' there were multiple offers. The sellers were looking for a quick sale and closing. Our offer was accepted with stipulations for a quick closing. Jason had our loan processed and accepted in 8 days! We closed yesterday on our new home. We cannot recommend Jason highly enough! He was there every step of the way. Took care of everything in a professional and efficient manner. We'd give this rating 10 stars if we could!
Jeff And Sue Readout
Jeff And Sue Readout
Jason Young is the best. He walked me through everything and answered all my questions. Closed earlier than anticipated. Greatly appreciated his knowledge, experience and professionalism. Thank you
Jason Young is the best. He walked me through everything and answered all my questions. Closed earlier than anticipated. Greatly appreciated his knowledge, experience and professionalism. Thank you
Jason at Home Mortgage Solutions is awesome to work with. After conducting some research on our behalf Jason was able to get us hooked up with a loan that both fit our budget & worked out really well for us. Home mortgage solutions also got us to the closing table is an extremely efficient manner. We are even scheduled earlier than originally anticipated. Our last home sale was the complete opposite so this is a nice breath of fresh air. I would highly recommend working with Jason if you're looking to get the best deal done, not only is he quick but he also is great at explaining everything to you. Thank you Home Mortgage Solutions.
Jason at Home Mortgage Solutions is awesome to work with. After conducting some research on our behalf Jason was able to get us hooked up with a loan that both fit our budget & worked out really well for us. Home mortgage solutions also got us to the closing table is an extremely efficient manner. We are even scheduled earlier than originally anticipated. Our last home sale was the complete opposite so this is a nice breath of fresh air. I would highly recommend working with Jason if you're looking to get the best deal done, not only is he quick but he also is great at explaining everything to you. Thank you Home Mortgage Solutions.
Rob Bauman was the most helpful. Knowledgeable and efficient....can not recommend him enough !
Rob Bauman was the most helpful. Knowledgeable and efficient....can not recommend him enough !
Jason was awesome to work with. It was a very easy process because of his attitude and he really did a great job of explaining the process. We had no problems with anything regarding our home equity loan. I would recommend Home Mortgage Solutions Inc to anyone who needs their services.
Jason was awesome to work with. It was a very easy process because of his attitude and he really did a great job of explaining the process. We had no problems with anything regarding our home equity loan. I would recommend Home Mortgage Solutions Inc to anyone who needs their services.
Jason was more than helpful and extremely patient while handling my case. Everything worked out great and cannot recommend him Snouffer. Thank you!
Jason was more than helpful and extremely patient while handling my case. Everything worked out great and cannot recommend him Snouffer. Thank you!
Jason Young was exceptional with his professionalism and great service during our mortgage refinancing. I would highly recommend him to anyone.
Jason Young was exceptional with his professionalism and great service during our mortgage refinancing. I would highly recommend him to anyone.
We had the best possible experience working with Jason with HMS for our original home mortgage and two refi's. He has been professional, courteous, responsive, sensitive to our wants and needs and helped us immensely.
We had the best possible experience working with Jason with HMS for our original home mortgage and two refi's. He has been professional, courteous, responsive, sensitive to our wants and needs and helped us immensely.
We worked with Kevin a few months while going through the home buying process. He reviewed my credit and advised what needed done prior to obtaining a home loan. Once my credit was repaired he was able to get us approved for a home loan. He was extremely responsive and prompt. If Kevin said he was calling Thursday at 403pm that’s exactly when he will call. He was super friendly and made the process so simple. If I had any questions he had the answers. Would definitely recommend him to anyone! You will not be disappointed 😁
We worked with Kevin a few months while going through the home buying process. He reviewed my credit and advised what needed done prior to obtaining a home loan. Once my credit was repaired he was able to get us approved for a home loan. He was extremely responsive and prompt. If Kevin said he was calling Thursday at 403pm that’s exactly when he will call. He was super friendly and made the process so simple. If I had any questions he had the answers. Would definitely recommend him to anyone! You will not be disappointed 😁
This review is long over due. My wife and I recently purchased our first home together and we couldn't have done it without the help of Kevin Wolford. He went completely above and beyond to help us get everything in order to purchase and get approved. Even after our closing he called us to make sure everything had gone okay and to see if we needed anything. I can't explain how thankful we are for him. We'll definitely be using him again in the future and recommending him to all our friends and family.
This review is long over due. My wife and I recently purchased our first home together and we couldn't have done it without the help of Kevin Wolford. He went completely above and beyond to help us get everything in order to purchase and get approved. Even after our closing he called us to make sure everything had gone okay and to see if we needed anything. I can't explain how thankful we are for him. We'll definitely be using him again in the future and recommending him to all our friends and family.
Wow. Kevin was a dream come true. We are two teachers that were looking to finance a home. He helped us from the first stages of home buying to the final steps of our closing. He showed us every option of financing our new home to ensure we received the best rate and monthly payments. He was honest and up front with every expense. He also was very kind and professional and very easy to talk to. I highly recommend Kevin for anyone's home mortgage needs!!
Wow. Kevin was a dream come true. We are two teachers that were looking to finance a home. He helped us from the first stages of home buying to the final steps of our closing. He showed us every option of financing our new home to ensure we received the best rate and monthly payments. He was honest and up front with every expense. He also was very kind and professional and very easy to talk to. I highly recommend Kevin for anyone's home mortgage needs!!
Kevin Wolford is hands down, amazing! My husband and I got a better rate with Kevin AND we closed in under 30 days as first time home buyers. He was in constant communication, extremely knowledgeable and professional. I would highly recommend Kevin Wolford to anyone. Thank you so much, Kevin!!!!!
Kevin Wolford is hands down, amazing! My husband and I got a better rate with Kevin AND we closed in under 30 days as first time home buyers. He was in constant communication, extremely knowledgeable and professional. I would highly recommend Kevin Wolford to anyone. Thank you so much, Kevin!!!!!
I have used Home Mortgage Solutions several times over the years and there is no reason to look elsewhere when purchasing or refinancing your home. At all times throughout the process Jeff and his people have been professional, knowledgeable, reliable, accommodating, and most importantly, they always kept in mind what my best interests were and not their own or someone else. I will continue to use Home Mortgage Solutions in addition to referring who I can as you will not find a better mortgage company! Home Mortgage Solutions gets the highest marks in my book and don't waste your time looking elsewhere. They are the best!!!!!!!!
Kevin was great! Always had great communication and made sure I understood everything fully. Thank you again!
Kevin was great! Always had great communication and made sure I understood everything fully. Thank you again!
Jeff Kocher was on the ball throughout the entire process. Communication was often and honest. The final numbers were lower than his early estimates. No surprises. Five stars!
Kevin Wolford does an amazing job. My wife and I were not being taken care of where we bank, so we reached out to Home Mortgage Solutions and Kevin got us a better interest rate, walked us through the entire process, helped us close on our home within 30 days, and managed to do all of this without having to make an in person appointment.
Kevin Wolford does an amazing job. My wife and I were not being taken care of where we bank, so we reached out to Home Mortgage Solutions and Kevin got us a better interest rate, walked us through the entire process, helped us close on our home within 30 days, and managed to do all of this without having to make an in person appointment.
Kevin Wolford was the best! He was super helpful and always answered all of my questions without making me feel dumb. He was always available and responded quickly with any questions I had. He made the buying and selling experience super easy! Great guy to work with who goes above and beyond for his clients, I would highly recommend him to anyone who is looking to buy or sell a house!
Kevin Wolford was the best! He was super helpful and always answered all of my questions without making me feel dumb. He was always available and responded quickly with any questions I had. He made the buying and selling experience super easy! Great guy to work with who goes above and beyond for his clients, I would highly recommend him to anyone who is looking to buy or sell a house!
Kevin Wolford—he is your guy. We just finished closing on our first home and he went above and beyond to help us close. He helped us every step of the way and was able to answer all questions we had for him at any time. He worked hard and efficiently to get the job done and we couldn’t appreciate it more. Would recommend 100%.
Kevin Wolford—he is your guy. We just finished closing on our first home and he went above and beyond to help us close. He helped us every step of the way and was able to answer all questions we had for him at any time. He worked hard and efficiently to get the job done and we couldn’t appreciate it more. Would recommend 100%.
I cannot say enough good things about Kevin Wolford at HMS. I was in a bind- my home closing (buying) was in jeopardy due to my normal lender being unable to promise a closing in under 40 days. I was referred to Kevin at HMS and he did everything needed to make sure we were good to go- explained everything that was required, helped procure anything that was missing from my application, and kept me updated every step of the way. As stressful as things could have been, they were made significantly easier due to his communication and commitment. As such, we had everything wrapped up well ahead of the required closing date and I'm now a happy and proud homeowner. Thank you Kevin for all of your help!
I cannot say enough good things about Kevin Wolford at HMS. I was in a bind- my home closing (buying) was in jeopardy due to my normal lender being unable to promise a closing in under 40 days. I was referred to Kevin at HMS and he did everything needed to make sure we were good to go- explained everything that was required, helped procure anything that was missing from my application, and kept me updated every step of the way. As stressful as things could have been, they were made significantly easier due to his communication and commitment. As such, we had everything wrapped up well ahead of the required closing date and I'm now a happy and proud homeowner. Thank you Kevin for all of your help!
Kevin Wolford is the best realtor! My parents recommended that we work with him after their amazing experience, and he didn’t disappoint. He was able to get us in our home with such ease, in the middle of a pandemic no less! I hope to recommend him to everyone I know who is looking to buy a house!
Kevin Wolford is the best realtor! My parents recommended that we work with him after their amazing experience, and he didn’t disappoint. He was able to get us in our home with such ease, in the middle of a pandemic no less! I hope to recommend him to everyone I know who is looking to buy a house!
I worked with Kevin Wolford and can not fully express my gratitude! Kevin walked me through each step of the process and answered all my questions in a way that i understood my options and the ramifications of my choices. He is personable and knowledgeable which made me feel more empowered through the home buying process. I would highly recommend Kevin Wolford.
I worked with Kevin Wolford and can not fully express my gratitude! Kevin walked me through each step of the process and answered all my questions in a way that i understood my options and the ramifications of my choices. He is personable and knowledgeable which made me feel more empowered through the home buying process. I would highly recommend Kevin Wolford.
Kevin Wolford did an amazing job helping my wife and I navigate our first home buying experience. He was knowledgeable and gave us good advice on how to proceed. Would recommend him to anyone looking to buy a home.
Kevin Wolford did an amazing job helping my wife and I navigate our first home buying experience. He was knowledgeable and gave us good advice on how to proceed. Would recommend him to anyone looking to buy a home.
He was very helpful. When I had a question he always got right back with me and answered my question and explained everything to me. He was always on top of things.
He was very helpful. When I had a question he always got right back with me and answered my question and explained everything to me. He was always on top of things.
I have purchased two homes working with Rob Bauman and he has been amazing! He is prompt , professional and even closed one of my loans while on vacation! I would highly recommend him to anyone looking to refi or purchase !
I have purchased two homes working with Rob Bauman and he has been amazing! He is prompt , professional and even closed one of my loans while on vacation! I would highly recommend him to anyone looking to refi or purchase !
Thank you Home Mortgage Solutions! I had a great experience working with Kevin Wolford through the process of buying my home. Kevin was highly available, responsive, knowledgeable, flexible and always willing to help with any questions or concerns I had throughout the process. I will definitely be recommending Kevin to friends and family looking to buy a home. Thanks to his excellent work, I am now a home owner!
Thank you Home Mortgage Solutions! I had a great experience working with Kevin Wolford through the process of buying my home. Kevin was highly available, responsive, knowledgeable, flexible and always willing to help with any questions or concerns I had throughout the process. I will definitely be recommending Kevin to friends and family looking to buy a home. Thanks to his excellent work, I am now a home owner!
So incredibly happy I found Home Mortgage Solutions. Their knowledge of various products was impressive. I felt just as confident as they were about every detail and step of my refi. No question was left unanswered.
So incredibly happy I found Home Mortgage Solutions. Their knowledge of various products was impressive. I felt just as confident as they were about every detail and step of my refi. No question was left unanswered.
This company has done my last two home mortgage loans. They are the absolute best out there. Jeff and his team got me the best rate possible and made it as smooth as possible.
This company has done my last two home mortgage loans. They are the absolute best out there. Jeff and his team got me the best rate possible and made it as smooth as possible.
Kevin Wolford was so awesome to work with. This was our second time working with him, and we were super pleased yet again! Kevin got us a great rate and we have referred him to family members. He is kind, easy to contact, and communicates well. Great people to work with!
Kevin Wolford was so awesome to work with. This was our second time working with him, and we were super pleased yet again! Kevin got us a great rate and we have referred him to family members. He is kind, easy to contact, and communicates well. Great people to work with!
Kevin Wolford is the best loan officer hands down. Take it from someone who was dealing with a different company before my realtor introduced Kevin to me. He explained every step of the process to me. He patiently answered all my questions. For a first time home buyer, I didn’t feel overwhelmed at all because Kevin made sure I understood everything before moving to the next phase of the loan process. Before closing I went to the bank and one of the staff said to me “you don’t look stressed at all for someone closing tomorrow”. Thanks to Kevin. He caught a mistake from the title company that would have cost me $1,300. Initially, he quoted me a 3.25% rate and because he watched the market he surprised me with a 2.875% in the end saving me $720 per year. Oh and he has great sense of humor. I have already recommended him to family and friends. I highly recommend him for anyone who needs mortgage services.
Kevin Wolford is the best loan officer hands down. Take it from someone who was dealing with a different company before my realtor introduced Kevin to me. He explained every step of the process to me. He patiently answered all my questions. For a first time home buyer, I didn’t feel overwhelmed at all because Kevin made sure I understood everything before moving to the next phase of the loan process. Before closing I went to the bank and one of the staff said to me “you don’t look stressed at all for someone closing tomorrow”. Thanks to Kevin. He caught a mistake from the title company that would have cost me $1,300. Initially, he quoted me a 3.25% rate and because he watched the market he surprised me with a 2.875% in the end saving me $720 per year. Oh and he has great sense of humor. I have already recommended him to family and friends. I highly recommend him for anyone who needs mortgage services.
Kevin did a great job, would definitely recommend him in the future....
Kevin did a great job, would definitely recommend him in the future....
My husband and I can't say enough good things about Kevin Wolford.
Kevin helped us with everything possible to purchase our home. He is very knowledge, experience, dedicated and always there to answer any questions. Kevin was very consistent of letting us know about our loan situation. My husband and I can't thank Kevin enough for all his hard work. He treated us like family and was so caring! Thank you again Kevin. We HIGHLY recommend Kevin Wolford he is a terrific guy!!!
Kevin helped us with everything possible to purchase our home. He is very knowledge, experience, dedicated and always there to answer any questions. Kevin was very consistent of letting us know about our loan situation. My husband and I can't thank Kevin enough for all his hard work. He treated us like family and was so caring! Thank you again Kevin. We HIGHLY recommend Kevin Wolford he is a terrific guy!!!
My husband and I can't say enough good things about Kevin Wolford.
Kevin helped us with everything possible to purchase our home. He is very knowledge, experience, dedicated and always there to answer any questions. Kevin was very consistent of letting us know about our loan situation. My husband and I can't thank Kevin enough for all his hard work. He treated us like family and was so caring! Thank you again Kevin. We HIGHLY recommend Kevin Wolford he is a terrific guy!!!
Kevin helped us with everything possible to purchase our home. He is very knowledge, experience, dedicated and always there to answer any questions. Kevin was very consistent of letting us know about our loan situation. My husband and I can't thank Kevin enough for all his hard work. He treated us like family and was so caring! Thank you again Kevin. We HIGHLY recommend Kevin Wolford he is a terrific guy!!!
If you need a home this is the place to go. They don’t see you as just money. They see you as family and with that being said you have no worries at all. I promise they will take good care of you.
If you need a home this is the place to go. They don’t see you as just money. They see you as family and with that being said you have no worries at all. I promise they will take good care of you.
I L O V E D working with Home Mortgage Solutions! I was in the middle of dealing with a nightmare bank, and stumbled upon HMS. After two months of back in forth with a bank that had me jumping through hoops; HMS took over and we had the clear to close exactly 3 weeks from the day we got the ball rolling. everything was seamless and there were no surprises at closing. 100% recommend using their service!
I L O V E D working with Home Mortgage Solutions! I was in the middle of dealing with a nightmare bank, and stumbled upon HMS. After two months of back in forth with a bank that had me jumping through hoops; HMS took over and we had the clear to close exactly 3 weeks from the day we got the ball rolling. everything was seamless and there were no surprises at closing. 100% recommend using their service!
Kevin Wolford worked diligently and tirelessly on my mortgage loan, making sure all the i's were dotted and the t's crossed. Circumstances dictated that my application approval might be difficult, however Kevin never wavered in his guidance and support throughout the process and was able to obtain approval without any delay or purchase contract extensions needed. Kevin was always prompt in communication and kept me informed every step of the way. I would recommend Kevin to everyone looking to finance or refinance a real estate transaction. I literally can not say enough good things about Kevin Wolford and my experience with Home Mortgage Solutions Inc.
Kevin Wolford worked diligently and tirelessly on my mortgage loan, making sure all the i's were dotted and the t's crossed. Circumstances dictated that my application approval might be difficult, however Kevin never wavered in his guidance and support throughout the process and was able to obtain approval without any delay or purchase contract extensions needed. Kevin was always prompt in communication and kept me informed every step of the way. I would recommend Kevin to everyone looking to finance or refinance a real estate transaction. I literally can not say enough good things about Kevin Wolford and my experience with Home Mortgage Solutions Inc.
Kevin Wolford assisted with the financing for one of my first-time home buyers. His years of service is reflected in the knowledge he has of the industry. Kevin kept me abreast of any updates during the entire process and his customer services skills are impeccable. I highly recommend Kevin for your financing needs.
Kevin Wolford assisted with the financing for one of my first-time home buyers. His years of service is reflected in the knowledge he has of the industry. Kevin kept me abreast of any updates during the entire process and his customer services skills are impeccable. I highly recommend Kevin for your financing needs.
Kevin Wolford can’t be beat for service and knowledge when it comes to mortgage processing and guidance. Every step of the way he explained methodically. Every question I had, he answered quickly and with patience. Moving is hard, but he helped make the mortgage portion go smoothly.
Kevin Wolford can’t be beat for service and knowledge when it comes to mortgage processing and guidance. Every step of the way he explained methodically. Every question I had, he answered quickly and with patience. Moving is hard, but he helped make the mortgage portion go smoothly.
We have worked with Kevin Wolford at Home Mortgage solutions before and he is always our go to guy when we need to refinance our home. He and his company are so skilled that it is nearly effortless on our part to quickly get the financial outcome we were wanting. Our closing was even at our house in the evening so I didn't have to take any time off work. I highly recommend them for all your loan and mortgage needs. We won't ever use anyone else!!! Love how they take the pain out of the often difficult task of securing a new or refinanced mortgage. Thanks for everything guys!!!!
We have worked with Kevin Wolford at Home Mortgage solutions before and he is always our go to guy when we need to refinance our home. He and his company are so skilled that it is nearly effortless on our part to quickly get the financial outcome we were wanting. Our closing was even at our house in the evening so I didn't have to take any time off work. I highly recommend them for all your loan and mortgage needs. We won't ever use anyone else!!! Love how they take the pain out of the often difficult task of securing a new or refinanced mortgage. Thanks for everything guys!!!!
Helped me with every little detail for my first time buying a home and made it super easy and comfortable. Great people honest . Couldn't of asked for a better experience
Great customer service, definitely went over and beyond. I would absolutely recommend Home Mortgage Solutions Inc to friends and family.
Great customer service, definitely went over and beyond. I would absolutely recommend Home Mortgage Solutions Inc to friends and family.
My husband and I can't say enough nice things about Mandy and Jeff at Home Mortgage Solutions. We did a refinance of our home and they made the process super easy. Very efficient, helpful and super nice people to work with. I highly recommend using them for anyone who needs mortgage services.
My husband and I can't say enough nice things about Mandy and Jeff at Home Mortgage Solutions. We did a refinance of our home and they made the process super easy. Very efficient, helpful and super nice people to work with. I highly recommend using them for anyone who needs mortgage services.
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SIMPLE. EFFICIENT. FINANCING.
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We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products.
Turn equity into cash
Buy a home and save
Refinance with ease
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We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
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FAQ'S
Confidence Comes From Learning
When should I refinance?
It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you’re saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
What are points?
A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.
What is an APR?
The annual percentage rate (APR) is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the “true cost of a loan.” It creates a level playing field for lenders. It prevents lenders from advertising a low rate and hiding fees.
The APR does not affect your monthly payments. Your monthly payments are strictly a function of the interest rate and the length of the loan.
Because APR calculations are effected by the various different fees charged by lenders, a loan with a lower APR is not necessarily a better rate. The best way to compare loans is to ask lenders to provide you with a good-faith estimate of their costs on the same type of program (e.g. 30-year fixed) at the same interest rate. You can then delete the fees that are independent of the loan such as homeowners insurance, title fees, escrow fees, attorney fees, etc. Now add up all the loan fees. The lender that has lower loan fees has a cheaper loan than the lender with higher loan fees.
The following fees are generally included in the APR:
- Points – both discount points and origination points
- Pre-paid interest. The interest paid from the date the loan closes to the end of the month.
- Loan-processing fee
- Underwriting fee
- Document-preparation fee
- Private mortgage-insurance
- Escrow fee
The following fees are normally not included in the APR:
- Title or abstract fee
- Borrower Attorney fee
- Home-inspection fees
- Recording fee
- Transfer taxes
- Credit report
- Appraisal fee
What is an appraisal?
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 who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
What is PMI (Private Mortgage Insurance)?
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year’s worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
What is 80-10-10 financing?
Surprising as it may seem, some folks with hefty incomes find that it’s mighty tough for them to save enough money to make a 20% cash down payment on their dream homes. Using conventional financing, such buyers must purchase Private Mortgage Insurance (PMI) which increases the cost of home ownership and, ironically, makes it even more difficult to qualify for the mortgage. However, if you’re a dues-paying member of the cash-challenged class, don’t despair. Given that your income is sufficiently high, it’s eminently possible to avoid getting stuck with PMI. That is why 80-10-10 financing was invented. It is called 80-10-10 because a savings and loan association, bank, or other institutional lender provides a traditional 80% first mortgage, you get a 10% second mortgage, and make a cash down payment equal to 10% of the home’s purchase price. By using this method, you are no longer obligated to take out PMI on your property.
The same principle applies if you can only afford to make a 5% down, 80-15-5 financing is also available. However, because a smaller cash down payment increases the lender’s risk of default, do not be surprised when you are asked to pay higher loan fees and a higher mortgage interest rate for 80-15-5 than you pay for 80-10-10.
How is my credit judged by lenders?
Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report. Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — a credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when due.
The most widely use credit scores are FICO scores, which were developed by Fair Isaac Company, Inc. Your score will fall between 350 (high risk) and 850 (low risk).
What can I do to improve my credit score?
Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change — but improvement generally depends on how that factor relates to other factors considered by the model. Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application.
SIMPLE. EFFICIENT. FINANCING.
Loan Programs & Options
Conventional Loans
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially…
FHA & USDA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no…
NON QM
Non QM loans are typically designed for clients who have unique situations. They may not qualify for traditional mortgages due to factors like self employment or unique income sources….
SIMPLE. EFFICIENT. FINANCING.
Mortgage Rate Options
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-…
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif…
