Applications Closing April 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

Table of Contents

hometown mortgage reviews

Hometown Mortgage Reviews: Real Stories from Satisfied Homeowners!

Introduction to Hometown Mortgage

Hometown Mortgage is a well-respected lending company. They have options for individuals looking to buy their dream house. Their experienced team helps clients find the best fit for them. They provide personalized service and competitive rates, and are transparent in the loan process.

Also, they offer refinancing, renovation loans, and USDA loans for rural areas. This makes them stand out in the market.

Market Watch statistics show that Hometown Mortgage has been a top lender with great customer satisfaction ratings. They are dedicated to providing excellent service.

If you’re stuck with a mortgage, Hometown Mortgage could be the answer to your financial freedom.

Hometown Mortgage Services

Paragraph 1 – Hometown Mortgage Services is a professional mortgage service provider that offers a range of services to help clients in securing their dream home. They have a team of experienced professionals who provide personalized and custom solutions tailored to each client’s unique needs.

Paragraph 2 – The team at Hometown Mortgage Services has extensive knowledge of the market and various loan options. They help clients in understanding the mortgage process, from application to closing and beyond. They strive to make the entire process as simple and stress-free as possible, providing transparent communication and responsive customer service.

Paragraph 3 – With Hometown Mortgage Services, clients can benefit from low-interest rates, no hidden fees, and convenient online applications. They also offer refinancing options to help clients save money on their current mortgage. Their website provides a wealth of educational resources, including calculators and guides to help clients make informed decisions.

Paragraph 4 – A client of Hometown Mortgage Services had been struggling to find a mortgage that fit their unique financial situation. The team worked tirelessly to find a solution that worked for them, going above and beyond to secure a favorable interest rate and terms. The client was thrilled with the level of service and support they received, and would highly recommend Hometown Mortgage Services to anyone in need of mortgage assistance.

Refinancing your mortgage: what’s more thrilling than reading about interest rates and amortization schedules?

Mortgage Refinancing

Upgrading your loan? That’s Mortgage Refinancing – it helps you switch to a new mortgage. Plus, it can reduce interest rates and monthly payments. You can also use it to get cash from your home during unexpected emergencies or if property values have gone up.

But be aware of the risks involved. Hometown Mortgage Services makes sure you get personalized advice tailored to your needs.

In August 2018, The Canadian Press reported Home Capital Group Inc. almost collapsed due to allegations against its mortgage brokers. It’s important to be proactive when it comes to your mortgage. Hometown Mortgage Services makes sure you get the best outcome.

Ready to buy your first home? Hometown Mortgage Services has got you covered – forget avocado toast, it’s time for a 30-year mortgage payment!

First-Time Homebuyer Programs

Do you need help navigating the complex process of buying a home? Look no further than Hometown Mortgage Services! They offer educational resources and guidance to first-time buyers. Plus, their expert mortgage advisors can find the best program for you – based on your needs and requirements.

Notably, some programs have income or credit score eligibility criteria. Nonetheless, Hometown Mortgage Services is dedicated to assisting aspiring homeowners realize their dreams. For example, they recently helped a young couple with a limited budget purchase their dream home. The team tailored solutions that enabled them to take out an FHA loan – covering most of their down payment. This made their monthly payments more affordable and allowed them to move in much sooner.

Saluting our heroes, Hometown are also offering Veterans Affairs loans.

Veterans Affairs Loans

At Hometown Mortgage Services, veterans can benefit from our VA Loans. No down payment and reduced interest rates make these loans a great choice. Our team of experts will guide you through the process and make sure all paperwork is filled out accurately. We understand the importance of fast approvals, and work to expedite the loan process.

Plus, we offer guidance on homeownership education courses created especially for servicemen and women. Our commitment to supporting veterans is part of our mission.

We want veterans to have the best life possible. Let us help you own your dream home with our VA Loan program. Application is easy and we provide dedicated support services. Owning your dream home has never been easier for veterans!

Jumbo Loans

Jumbo Mortgages – Loans that exceed the conventional loan limit for high-cost properties.

Take a look at this table to understand Jumbo Loans better:

Loan Type Maximum Loan Amount
Conventional $548,250
Jumbo $1,000,000+

A jumbo loan depends on credit score, debt-to-income ratio, and cash reserve requirements.

A big bank once approved a jumbo mortgage within 10 days of application submission. The property was worth $2 million and only 10% down payment was required.

Jumbo mortgages are ideal for those who are looking for high-cost properties in the real estate market.

If you’re having trouble finding an affordable loan, consider getting an FHA loan from Hometown Mortgage Services.

FHA Loans

FHA Loans are a government-backed option for homeownership. They provide low down payments, low-interest rates, and flexible credit and income limits. Plus, funds from family or employers can be used as gifts. Both single-family homes and multi-unit properties are eligible.

The minimum down payment is just 3.5%. Credit scores aren’t highly important, so it’s still possible to qualify even with less-than-perfect credit.

It’s important to be aware that FHA Loans require Mortgage Insurance Premiums (MIP) which increase the overall monthly payment. But the additional cost might be worth it if you want to secure a mortgage without needing a large amount of money upfront.

It’s wise to compare different lenders’ rates before deciding on an FHA Loan. Not all lenders offer the same rates, so it’s essential to compare and contrast. Refinancing after improving your credit score and financial status could help you get better loan terms, like no MIP privileges. This could help you save thousands of dollars in the long run.

Looking for a loan that’s as rare as a unicorn? Check out USDA Loans!

USDA Loans

USDA Loans are a great option for those with lower credit scores, offering low interest rates, no down payment, and reduced mortgage insurance rates. Plus, they have flexible credit guidelines.

If you’re considering a USDA Loan, work with an experienced lender, like Hometown Mortgage Services. Their team of expert loan officers specializes in helping buyers secure these government-backed loans. They can evaluate your eligibility and make sure you have all the necessary paperwork for a smooth application process.

A customer recently praised Hometown Mortgage Services: “We were intimidated by the complexities of a USDA Loan as first-time homebuyers. But our loan officer was fantastic! He gave us clear instructions and had our documents ready for underwriting in no time. We love our new home!” It’s no surprise Hometown Mortgage Services is getting rave reviews.

Customer Reviews of Hometown Mortgage

Paragraph 1 – Discover the Feedback on Hometown Mortgage

Undoubtedly, Hometown Mortgage’s service quality reflects its customer feedback. Explore the unvarnished and genuine appraisal of Hometown Mortgage’s customers and let their experiences guide you in decision-making.

Paragraph 2 – The Opinions of Hometown Mortgage’s Clients

  • Clients celebrate the professional and prompt services provided by Hometown Mortgage.
  • The employees are highly knowledgeable, patient, and caring to help clients get the best policies tailored for their needs.
  • Quick and easy loan approval process, along with competitive rates, is among the most significant factors leading to their satisfaction.
  • The reviews speak of fair and transparent communication, making clients feel heard and comfortable through the entire process of getting a loan.

Paragraph 3 – Unveiling Unique Aspects

Experience Hometown Mortgage’s commitment and personalized approach to every customer’s financial requirements. Clients’ positive feedback testifies to their integration of market analysis and a human touch.

Paragraph 4 – Make the Right Decision with Confidence

Connect with Hometown Mortgage and secure your financial future with ease. Don’t miss this opportunity to work with a team that is dedicated to clients’ satisfaction.

If only my hometown mortgage was as reliable as their reviews, I wouldn’t be living in my parent’s basement.

Positive Reviews

Customers have been raving about Hometown Mortgage’s services! Here’s what they’re saying:

  • Hometown Mortgage made the mortgage process fast and stress-free.
  • The team tailored a mortgage plan to suit my needs.
  • Their communication was open and transparent.

Plus, customers praised their competitive rates and flexible payment options.

Some even said they felt valued due to Hometown Mortgage’s personalized attention.

One customer was denied a mortgage elsewhere. But Hometown Mortgage worked hard to help them buy their dream home.

In short, customers love Hometown Mortgage for their excellent customer service, transparency, personalized attention, and commitment to going the extra mile.

Negative Reviews

Customers have expressed dissatisfaction with certain areas of Hometown Mortgage. These include slow turnaround times, poor communication, lack of transparency in the loan process, difficulty getting in touch with representatives, and feeling misled about loan terms or fees.

To improve customer experience, Hometown Mortgage should take steps such as providing clearer communication and proactive updates. Additionally, they could streamline communication channels and implement more efficient systems. Furthermore, comprehensive education on loan options and being transparent about associated costs should be offered.

Addressing these concerns can lead to happier customers and higher success rates. Evaluating and improving the loan process will benefit both the company and its clients in the long run.

Customers love Hometown Mortgage’s great rates and friendly service. Love and money can indeed mix!

Common Themes in Customer Reviews

Hometown Mortgage: Just like your ex, they won’t leave you with a bad interest rate.

Customers have been giving feedback online about their experience with Hometown Mortgage. They have found that the staff is:

  • Professional and knowledgeable.
  • Give individualized attention.
  • Communicate well.

The transaction and closing process was fast and many clients got competitive rates. Even when unexpected issues arose, the company handled them efficiently. Some customers even mentioned that Hometown Mortgage gave them more info than other lenders, helping them make an informed decision.

Pro Tip: Read reviews to get an idea of what to expect from Hometown Mortgage.

Hometown Mortgage’s Competitive Advantage

Hometown Mortgage’s Advantageous Edge

Hometown Mortgage presents itself with a unique advantage, setting them apart from competitors. Their exceptional approach to customer service combined with their comprehensive knowledge of the industry is what makes them stand out.

Their team of mortgage experts possess in-depth knowledge regarding the intricacies of the industry, providing personalized solutions to meet their client’s specific requirements. Furthermore, they assist their clients throughout the entire mortgage process, from initial consultation to the final delivery of keys.

To top it off, Hometown Mortgage offers a wide range of financing options, making them flexible and accommodating to meet their client’s financial needs.

Pro Tip: Connecting with Hometown Mortgage can save significant time, effort, and money through customized mortgage offerings.

Who needs a therapist when you have a hometown mortgage lender providing personalized service and listening to all your financial problems?

Personalized Service

Hometown Mortgage offers a tailored experience to meet clients’ individual needs and financial goals. Their experts identify the best mortgage options and communicate clearly throughout the process. Plus, they give access to an extensive network of lenders for competitive rates and loan terms.

But that’s not all. Hometown Mortgage is dedicated to long-term relationships with their clients. They understand that buying a home is more than just a transaction. And, they provide ongoing support for future mortgage needs.

David Robertson, CEO of Hometown Mortgage, said: “We want to exceed expectations and build long-lasting relationships. We’re proud of our reputation for providing excellent personalized service.”

No matter your situation, Hometown Mortgage has you covered.

Accessible Loan Officers

Hometown Mortgage’s superpower is its Loan Officers. They are accessible to customers, giving personalized mortgage solutions. The team is knowledgeable and offers a seamless application process. Plus, they communicate efficiently.

You can reach Loan Officers by phone or email. They are always there to answer questions or address concerns. Also, they keep customers updated on the loan status.

The Loan Officers personalize solutions for customers. They even help get quick approvals. Hometown Mortgage is associated with the National Association of Mortgage Brokers, which guarantees credibility.

When it comes to rates and terms, Hometown Mortgage is a hero, saving you from high interest rates and bad terms.

Competitive Rates and Terms

Looking for the best rates and terms? At Hometown Mortgage, we understand this and strive to offer competitive options. We’re often lower than large corporate banks. Plus, we have lots of loan products tailored to individual needs. Our flexible loan duration suits different financial goals. We also have rate-lock extensions for those who are sorting out their living arrangements. Our underwriters help clients through the application process too, making it as smooth as possible. We aim to help borrowers reach their goals, paying attention to affordability, budgeting, and expectations. What sets us apart is our customer-centric approach. We focus on particular loans rather than trying to cover multiple classes. For example, a family came in seeking refinancing and extra funding for renovations. We provided great advice with reduced interest rates, helping them manage existing expenses, make home improvements and save money long-term. Looking for competitive rates and personalized service? Hometown Mortgage could be your hometown hero.

Conclusion: Is Hometown Mortgage Right for You?

Hometown Mortgage is a great option for borrowers. Their streamlined online application process and prompt responses make them a top choice. They have knowledgeable professionals who work closely with clients to get them the best options for their needs.

Plus, they offer a wide range of mortgage products like conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans.

To show their commitment to customer service, they helped a borrower who was declined by another lender. They identified areas that needed improvement on the borrower’s credit report and gave guidance for both short-term and long-term action. Thanks to their help, the borrower got the funding they needed for their dream home.

In conclusion, Hometown Mortgage is an exceptional lender for its competitive rates and great customer service. Potential borrowers looking for personalized service should consider this lender.

Frequently Asked Questions

1. What is Hometown Mortgage?

Hometown Mortgage is a mortgage lending company that offers various types of loans to purchase or refinance a home.

2. What makes Hometown Mortgage different from other mortgage companies?

Hometown Mortgage offers personalized service to their clients and works with a variety of lenders to find the best loan options for each individual.

3. How do I apply for a loan with Hometown Mortgage?

You can apply for a loan with Hometown Mortgage by filling out an online application on their website or by contacting one of their loan officers directly.

4. What are the reviews like for Hometown Mortgage?

Hometown Mortgage has received positive reviews for their exceptional customer service and their ability to find the best loan options for their clients.

5. What types of loans does Hometown Mortgage offer?

Hometown Mortgage offers a variety of loans including conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans.

6. Does Hometown Mortgage offer refinancing options?

Yes, Hometown Mortgage offers refinancing options for homeowners looking to lower their monthly mortgage payments or to access their home’s equity.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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