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HM-LOANS

HM-LOANSHM-LOANSHM-LOANS
Home
About
Services
APPLY NOW
Contact US
START MY APPLICATION
Upload Documents
Mortgage Calculator
More
  • Home
  • About
  • Services
  • APPLY NOW
  • Contact US
  • START MY APPLICATION
  • Upload Documents
  • Mortgage Calculator
  • Home
  • About
  • Services
  • APPLY NOW
  • Contact US
  • START MY APPLICATION
  • Upload Documents
  • Mortgage Calculator

Mortgage Financing Services for home financing

We make the mortgage financing simple and stree free

Mortgage Services You Can Trust

Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home financing to our clients while providing them with the lowest interest rates and closing costs possible when obtaining mortgage financing. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We assist clients with their home mortgage and assist first time buyer mortgage clients.

First Time Home Buyers

 

First-time homebuyers are often at a disadvantage to other buyers, due to having low funds, student debt, or other financial issues when obtaining home financing. Thankfully, being a first-time buyer has some benefits to when obtaining mortgage financing, such as being eligible for lower interest rates, smaller down payments or even down payment assistance.

According to the Department of Housing and Urban Development, the following qualify as first-time home buyers:

  • A person who has not owned their principal residence for at least 3 years;
  • A single parent who previously co-owned a home while married;
  • A homemaker who previously owned with a spouse, but no longer receives financial support from that spouse; or
  • A person who has only owned a residence not affixed to a permanent foundation, such as a mobile or trailer home.
  • Ask us about our special home financing programs for First Time Home Buyers

Loan Types Offered

 We offer home financing for Conventional, FHA/VA, Second Mortgage loans, HELOC, and NON-qualified mortgages. We also offer mortgage financing programs for  Investment Properties, Foreign National and ITIN buyers. 

No cost Appraisals

We are Running a holiday sale on appraisals. We will give you up to a $600.00 Credit at closing to pay for your appraisal. This will reduce you funds to close for you mortgage financing. This is always important when you are doing home financing and trying to limit out of pocket costs.

We have purchase incentives for closing costs.

We have home financing programs that may save you thousands towards your closing costs. We also have down payment assistance programs to help you with your mortgage financing on the purchase of your new home. 

We are a full service mortgage company

We assist our customers through the home financing purchase and mortgage process. If you are purchasing or just doing mortgage financing to your existing mortgage we can help. We offer First Mortgages, Second Mortgage loans, and stand alone HELOC Mortgages. We also can finance rural properties and manufactured properties. If you have any questions please fell free to ask or email our mortgage professionals and they will reply.

Copyright © 2023 HM-Loans.com - All Rights Reserved.

 Home Mortgage and Loan LLC

Company NMLS: 2523296
14980 Vista View Way
Fort Myers , FL 33919
George Ghanam NMLS 2270672
Phone: (586) 339-4114
Email: george@hm-loans.com 

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