Home Mortgage Experts

About Home Mortgage Experts

Home Mortgage Experts (HME) is a high-tech mortgage company dedicated to closing loans quickly and easily while providing exceptional client service. With over 25 years of experience in the mortgage business, the company specializes in finding the right loan products for individual needs, often approving loans that other lenders cannot. They pride themselves on their ability to say 'yes' when others say 'no' by working with over 40 wholesale lenders and accommodating credit scores as low as 500. HME is committed to simplifying the mortgage process for clients, ensuring they receive expert guidance and the best available rates and terms. Their success is built on the expertise of their Owner/Broker and a commitment to client satisfaction, aiming to make the dream of homeownership a reality for more people.

Credentials & Expertise

Home Mortgage Experts distinguishes itself through extensive industry experience and a broad network of lending partners. The Owner/Broker brings over 25 years of mortgage expertise, enabling the company to handle a wide range of loan scenarios, including those with lower credit scores. HME works with more than 40 wholesale lenders, significantly increasing their capacity to approve loans. They are known for their ability to close loans rapidly, often within 10-14 days. The company emphasizes honesty, integrity, and personalized service, ensuring clients are never just a number. Clients are guaranteed direct access to a highly trained team member for ongoing support and updates throughout the loan process.

Offerings

HME offers a comprehensive suite of home loan solutions designed to meet diverse client needs, including options for home purchases and refinances. Their product offerings encompass Conventional Loans, VA Loans, FHA Loans, and Jumbo Loans. They also provide specialized options such as Bank Statement Loans for self-employed individuals, DSCR Investment Property Loans for investors, and Reverse Mortgages for seniors. Additionally, HME facilitates HELOCs (Home Equity Lines of Credit) and second mortgages, as well as Private Money Loans. They highlight zero-down payment options through VA, FHA, and USDA programs, alongside competitive low rates. Refinancing services are available to help clients leverage their home equity for various purposes, including debt consolidation, home improvements, or purchasing additional properties.

Unique Advantages

Home Mortgage Experts stands out due to its ability to approve loans for individuals with credit scores as low as 500, facilitated by partnerships with over 40 wholesale lenders. They boast an impressive closing time of 10-14 days, significantly faster than industry averages. The company is led by an Owner/Broker with over 25 years of mortgage experience, ensuring deep expertise. HME also offers specialized loan products like Bank Statement Loans and DSCR Investment Property Loans, catering to unique borrower situations.