Hometown Home Loans, LLC

About Hometown Home Loans

Hometown Home Loans Team, powered by Rize Mortgage, is dedicated to bringing South Florida families home. Specializing in first-time homebuyers, Dennis Hernandez and his team leverage over 20 years of experience and deep local knowledge to guide clients through the homebuying process. They pride themselves on personalized service, explaining every step in plain English or Spanish to ensure clarity and confidence. Their mission is to make the dream of homeownership attainable for everyone in the South Florida community, offering a supportive and expert approach from initial consultation to closing.

Why Choose Us

With over 20 years in the business and a 5.0-star rating on Google from numerous satisfied clients, Hometown Home Loans Team has established a strong reputation for trustworthiness and expertise. Dennis Hernandez, NMLS # 450916, is a specialist in first-time homebuyer programs, including FHA, down payment assistance, and ITIN options. The team's commitment to client satisfaction is reflected in their high client satisfaction rate of 97%. They offer bilingual services, ensuring all clients feel comfortable and informed throughout the loan process.

Hometown Home Loans Services

Hometown Home Loans Team offers a comprehensive suite of mortgage services tailored to various buyer needs. This includes FHA loans for low down payments, Down Payment Assistance programs like Hometown Heroes, Conventional loans for buyers with strong credit, and VA loans for veterans. They also cater to ITIN holders and foreign nationals with specialized Non-QM options. For existing homeowners, refinancing services are available to lower payments, remove PMI, or access home equity. The team guides clients through each loan program, helping them find the best fit for their unique financial situation and homeownership goals.

Unique Advantages

Hometown Home Loans Team distinguishes itself through its deep local expertise in South Florida, covering areas from Homestead to Jupiter. Dennis Hernandez's 20+ years of experience and specialization in first-time homebuyers, particularly with ITIN and non-QM options, set them apart. Their commitment to bilingual service, explaining all aspects in English or Spanish, ensures accessibility. Furthermore, the team has funded over $150 million in loans, demonstrating a proven track record of success and client satisfaction.