A Mortgage Broker That Makes The Process Clear & Simple.
Helping REALTORS® and Homeowners Navigate the Loan Process with Ease.
Responsive Communication
A Guide every step of the way
A Reliable & Local Partner
The Loan Process Can Feel Overwhelming Sometimes:
- Whether you are a first-time homebuyer or not, the loan landscape is constantly changing which can feel overwhelming.
- Small mistakes or poor communication can mean your closing gets pushed back from the scheduled close date.
- When a homebuyer misunderstands their true buying power, they risk wasting time or money in the home search process.
- Because interest rates and loan options keep changing, it can be easy to accidentally get locked into a rate you'll regret later.
REALTORS & Homeowners Deserve a Mortgage Broker
Who Cares Just As Much As They Do.
For realtors
It’s critical to work with a broker you know will pick up the phone, get the paperwork done on time, and work with your client in a way that serves them well. See how we work with local REALTORS and support them every step of the way.
For homebuyers
For many homebuyers, the process of navigating the loan process can feel overwhelming. We break down every step so you can have full confidence in what’s happening and can get a loan that fits your exact needs, no matter what stage you’re in.
We Understand
Whether you are a REALTOR or a homebuyer, you deserve to have a broker who is on your team and solves problems – not creates them. With over 20 years of experience, owner Danielle Collins Wear prioritizes a high level of communication and responsiveness with clients.
Our team is made up of licensed loan officers with decades of experience under their belts. Our team has worked every job in the industry, from assistants and underwriters all the way to loan officers and owners. We don’t rest until the job is done and done right.
You Deserve a Broker Who
Thinks Like a Member of Your Team.
Past Client Testimonials
"Best team out there! Closing loans faster than anyone and finding the best rates for their borrowers!" -Chris Lazaris
"Best team out there! Closing loans faster than anyone and finding the best rates for their borrowers!" -Chris Lazaris
"Working with Danielle at Hometown Mortgage Services LLC made the stresses of the lending process easy during my wife and I 's home buying . Danielle always had a pleasant and professional demeanor ; and guided us through our lending process one step at a time in a way that did not overwhelm us . We highly recommend her to any family taking the leap in purchasing a new home ." -John Dickhaus
"Working with Danielle at Hometown Mortgage Services LLC made the stresses of the lending process easy during my wife and I's home buying. Danielle always had a pleasant and professional demeanor; and guided us through our lending process one step at a time in a way that did not overwhelm us. We highly recommend her to any family taking the leap in purchasing a new home." -John Dickhaus
"Our experience here was absolutely outstanding! Danielle was fast, patient with our questions, kind and always kept us updated on how things were going. She locked in a rate for us that shocked even our closing agent. We were able to sign all pre closing documents electronically which was super easy. I can recommend this company without reservations. Give them a try!" -James Freeman
"Our experience here was absolutely outstanding! Danielle was fast, patient with our questions, kind and always kept us updated on how things were going. She locked in a rate for us that shocked even our closing agent. We were able to sign all pre closing documents electronically which was super easy. I can recommend this company without reservations. Give them a try!" -James Freeman
"I've had the pleasure to work with multiple people from Hometown Mortgage Services and was delivered with an extraordinary experience every single time . Danielle and Carol are very well educated and always on par with exactly what needs to be used to handle the job efficiently !" -Kevin Safi
"I've had the pleasure to work with multiple people from Hometown Mortgage Services and was delivered with an extraordinary experience every single time. Danielle and Carol are very well educated and always on par with exactly what needs to be used to handle the job efficiently!" -Kevin Safi
Resources for Your Journey
how to get started:
Step 1: Schedule a discovery call
During this 15-minute phone call, we'll get some of the initial information needed to map out a plan for your loan needs.
Step 2: Get clarity on your budget
From here, you'll understand your true buying power and have a timeline set with clarity on the path forward.
Step 3: Shop & close with confidence
Now you get to house hunt with the confidence you deserve. Our team is with you from the first meeting to the closing table.
Have Some More Questions?
Here are the Answers to Some Below:
Should I Talk To A Mortgage Professional Before House Hunting?
Absolutely! Even if you haven’t so much as picked out houses to visit yet, it’s important to see your mortgage professional first. Why? What can we do for you if you haven’t negotiated a price, and don’t know how much you want to borrow?
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Is Refinancing Worth The Cost?
Ever hear the old rule of thumb that states you should only refinance if your new interest rate is at least two points under your present rate? Maybe that was sound advice a number of years ago, but since refinance costs have been falling recently, it could be time to look into it. A refinance may be worth its cost several times over, factoring in the advantages that may come, as well as a reduced interest rate.
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Is It Possible To Put Nothing Down?
We don’t think that saving for a down payment should be the reason you put your dreams on hold. We can help you buy your dream home with a zero-down mortgage loan. You’ll not only be able to afford a home sooner, but you’ll also probably be able to afford more homes. With a zero-down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you’ve saved. And, for most buyers, this means qualifying for a larger loan.
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What Is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio — the amount of your mortgage loan divided by the value of your home — is greater than 80 percent.
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What Are Closing Costs?
There are certain standard costs related to closing the sale of a home. Sellers and buyers usually share these closing costs, as specified in the real estate sales contract.
As indicated below, many of the buyer’s costs are related to the costs of originating the loan. At Hometown Mortgage Services, we have extensive experience in mortgage lending, so we can compile a comprehensive list of mortgage-related costs in your “Good Faith Estimate.”
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What About My Credit Score? Are There Things I Can Do to Help?
It’s virtually impossible to change your score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. So the short answer is, you really can’t “on the spot.” But there are strategies you can live with to make sure when you apply for a loan your score is as high as possible.
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