Better Interest Rates On Purchases Till January 31st 2025
309-222-8286Rate & Term Refinance Special Now Until January 31st 2025!
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Pre-Approval is the gold standard for determining whether you can buy a home. During yours, a licensed loan officer will look over your whole financial picture to determine what sort of home you could qualify for. In the end, you get a certified letter stating that a Specialist will get a mortgage for you. Our Pre-Approvals are good for 90 days.
When we issue Pre-Approval, we're sure to take the time necessary to look over every aspect.
We can issue Pre-Approvals fast so that you know your options when you need them!
Our Pre-Approvals last 90 days, that's how long a credit report remains valid for, this means you can shop the market for 3 months!
We're Brokers, when you get Pre-Approved with us it means you get options for: rate, down payment, term, and more.
During that time, we’ve become experts at home loans. When Home Mortgage Specialists, Inc. was founded, it was founded with a single mission in mind: "Home Loans Made Simple." With hard work and our dedicated team of Loan Specialists, we've created a process that helps you close with ease and certainty. Tap on the video below to find out why Brokers are Better than Banks!
As a broker, we have access to almost any lender in the country! This means that you have access to great loan products, rates, and terms that your local bank can't offer you. When you shop with us - you shop with our network of top-notch lenders to help you purchase, refinance, or get a HELOC.
With us we only pull your credit score once, your scores can be used for home loan financing over the next 90 days - the length of time a credit report is valid for.
Yes! Just get into touch with one our licensed loan originators and ask for a Pre-Approval letter, they'll do everything they can to help you! We also issue Rate Quotes too!
No! We're a Broker! But that difference might not be readily apparent. As a Broker, we're the negotiator for your home loan. We negotiate for your interests in the home loan process and ensure that our lenders aren't pulling any funny business! This protects you in the transaction and ensures that you get the best possible home loan for your financial picture!
HMS can close a loan in as little as 11 days - if everything goes perfectly. But our typical time to close is 18 days. Fast closings save you time and money. Rest assured that's one of HMS's missions when we serve you.
"I couldn't believe how quickly they closed our loan! It was way faster than a bank! I'd recommend HMS to anyone looking for Home Financing."
"They got us a great low rate when we refinanced, but they also put our wants and needs first during each part of the transaction."
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