Mortgage Loans in Ohio & Florida 

Home Mortgage Solutions Inc (HMS) is an Independent Mortgage Broker; working for you to secure the best rate, lowest closing costs and the best loan program.  We are not a bank or credit union.  We are Mortgage Brokers!  Brokers are better!  We specialize in residential purchase, refinance, and new construction Mortgage Loans; specifically Conventional, FHA, VA, Non QM, High LTV Jumbo Loans, Reverse Mortgages, Renovation and Non-QM Mortgage Loans.  Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you thousands of dollars on your existing mortgage by refinancing.

Purchasing?  As a Mortgage Broker we offer:

FHA | VA | USDA | HomePath | Jumbo | Conventional | Non-QM | Bank Statements | DSCR | Reverse Mortgages | Asset Depletion |
Foreign National Loan - DACA and ITIN | Stated Income Primary Residence and Investment Property Programs | Construction Loans | Non-Warrantable Condos | Manufactured Homes | 100% Financing  | Down Payment Assistance | Self Employed Programs  | First time Home Buyer Programs  | Community Heroes Programs

Refinancing? We can help you with that, too!

 As a Mortgage Broker we offer a wide range of refinance options, designed to best meet the needs of individual borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. Some of our Refinancing Programs are:

FHA Streamline | FHA Cash Out | Reverse Mortgages | FHA 203k | Non QM| VA IRLL | VA Cash Out | USDA | Conventional | HARP | 
 Jumbo | 100% VA Cash Out | Self Employed Programs | DSCR

What makes HMS unique is we our ability to shop mulitple lenders to secure our customers the best rate, lowest closing costs, and the best loan tailored to fit you!  This also includes speciality Non QM Programs such as Bank Statement and No Income Programs, 1 day out of Short Sale, Foreclosure or Bankruptcy, Rehab and Renovation Loans, Down Payment Assistance, Zero Money Down, Foreign National, Jumbo, Interest Only, FHA/VA Streamlines, No Cost Loans, Resident Alien Loans, and DACA Loans.

Contact HMS today to speak with one of our licensed Mortgage Brokers to discuss your mortgage loan options and find out which loan program will best suit your needs.