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 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:
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.
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 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 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.
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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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