The Road to Home Ownership Just Got Easier!
Home Mortgage Solutions Inc (HMS) has a wide variety of loan programs available to meet any of your financing needs. Our commitment is to provide above and beyond quality service, quick turn around times, and the highest level of individual care and consideration for each client.
- We have better rates and lower closing costs than your local bank, lender or credit union
- Wholesale pricing NOT retail = lower rates and costs for you because we work with numerous lenders and investors to personally shop and secure the best mortgage option
- Niche products that are often not available through your local bank or credit union
- Loans for Heroes (Veterans, Firefighters and all Fire Department Employees, Police Officers and all Publis Law Enforcement Employees, all Teachers and Educational Staff, Nurses, Paramedics, EMT and all Health Care Employees including Administrative, Civil Service Workers and Ministry Leaders
- Programs available for credit scores as low as 500
- Bank Statement Options for Self Employed Borrowers including 12 and 24 months
- Programs available for 1 day out of short sale, foreclosure, or bankruptcy
- Little or Zero money down purchase programs
- Higher debt ratios than traditional banks for increased buying power; we will ensure that you not only get the best interest rate but also the best loan approval
- Direct underwriting with no extra overlays or guidelines
- High LTV Jumbo, Conventional, FHA, VA, USDA, 203K Rehab Loans, Construction Loans including FHA 3.5% down and VA 100% down, Interest Only Options, Reverse Mortgages, Asset Depletion Programs, Foreign National Loans, Stated Investment Property Programs, Non-warrantable condos and Manufactured homes
- Streamlined E-Docs, no wet signatures
- Extensive technology - through our website you can submit a complete secure, on-line loan application or pre-qualify for a home loan and evaluate different financing options / scenarios by using our interactive calculators
- No cost loans - there are no upfront charges for our services. We do not collect application or credit report fees.
- Credit repair assistance
- Fast and Efficient - same day pre-approvals and are able to facilitate closings in 15 to 20 days
- Calls and emails answered everyday - you have our cell phone numbers so we are always accessible when you needs us - morning, noon, nights and weekends
Why Use a Mortgage Broker....Like HMS?
- Mortgage Brokers are held to higher licensing requirements than any other loan officer in the industry. Mortgage Brokers must pass an initial Federal/State mandated exam, undergo yearly background and credit checks, and yearly continuing education requirements. Loan Officers at banks, lenders, and credit unions have no such requirements.
- We are home to 100's of loan products, not limited to just 2 or 3.
- We require less red tape and hoops to jump through than most traditional banks or credit unions, allowing us to close on most loans in 30 days or less.
- Traditional banks, lenders, and credit unions have one umbrella license that their Loan Officers operate under with only a registration number.
- EVERYTHING is done in-house. You can call us at anytime and we can tell you the status of your loan without having to make a call to get an update on your loan.
- We have direct underwriting with no extra overlays or guidelines that your traditional bank, lender, or credit union will impose.
- We allow higher debt ratios than traditional banks for increased buying power.