These are the most frequent questions we get about mortgages. Have a question? We've got an answer!
Is there any cost or obligation if I request a mortgage consultation?
No, in fact, we only get paid if a loan closes. Mortgage consultations are strictly provided in an effort to educate borrowers.
Mortgage consultations are helpful because they provide you with the opportunity to sit down with a real Mortgage Broker to determine the best steps for you and your family.
Why are Brokers Better?
Brokers are Better because we represent you, the Banks we compete against represent themselves.
When you go to a bank, you're not getting a loan with someone who will represent you unbiased during the transaction. With a Broker, you get an unbiased advocate for your financial success through home ownership.
How long does it take to apply?
The application is very simple to complete and can be done online or over the phone. It takes as little as 5 minutes to complete.
How does HMS keep rates low?
Brokers help keep rates lower by providing real competition to banks. As brokers, we subject ourselves to cost constraints that lower our costs overall. We use modern and useful tools to help us keep things quick. And, we provide excellent service so we only have to say and do things once!
How do I contact HMS?
Just give us a call: 309-222-8286. If we aren't available leave a message.