Helping You Confidently Navigate the
Loan Process

You Have a Guide Through Every Step of the Loan Process

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Understand your options

Whether you are a first-time homebuyer or not, you deserve a guide who will help you confidently understand your loan options. 

Get a great rate

Because we have access to a wide variety of preferred lenders, we make sure you always get the best rates available on the market.

Love your new home

We make sure loan process is as smooth as possible so you can get to the fun parts of buying a new home – your new home!

Hometown Mortgage - Making the Loan Process Easier

The Loan Process Can Feel Overwhelming Sometimes:

  • Knowing which loan option is right for you is a big decision. 
  • With interest rates changing constantly, it’s easy to get locked into a rate that isn’t right for your budget. 
  • Being asked to sign a mountain of paperwork you don’t understand can leave you feeling in the dark. 
  • Without a good understanding of your true buying power, you risk making the home buying process longer or more difficult than it needs to be. 

You deserve an mortgage broker
who makes things clearer.

Danielle Collins Wear Hometown Mortgage Services

We Understand

You should 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.

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. 

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

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

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

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

Kevin Safi

The Loan Application Checklist

What information will be needed for the application (and how it's kept private) Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to...

Refinancing A Loan – Which One Is Right For You?

Although it seems like it sometimes, there are not as many loan options as there are applicants! We can help you find the loan program that will fit your needs the best. Call us at (352) 222-1135 to get things started. What do you hope to achieve with refinancing?...

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...

What You Should Know About Reverse Mortgages

With a reverse mortgage (sometimes referred to as a a home equity conversion loan), homeowners of a certain age may use home equity for anything they need without selling their homes. The lending institution gives you funds determined by the equity you've built-up in...

Understanding VA Loans

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment...

Is It Possible To Put Nothing Down?

Making dreams come true with zero down mortgages 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...

What Is Private Mortgage Insurance?

Private Mortgage Insurance Helps You Get The Loan 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...

Mortgage Saving Tips – How To Reduce Your Mortgage Faster

One Additional Mortgage Payment a Year There's a simple trick to significantly reduce the length of your mortgage and save you thousands of dollars. The trick is to make one extra mortgage payment a year and apply that payment toward your loan's principal. This...

Closing Costs – How Does It Work?

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...

Understanding Your Debt To Income Ratio

Your debt to income ratio is simply a way of determining how much money is available for your monthly mortgage payment after all your other recurring debt obligations are met. Debt limit There is generally a debt limit associated with each type of loan, such as a...

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?

Keep Reading About This Topic

 

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.

Read More About This Topic

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.

Learn More About This Topic

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.

Keep Reading About This Topic

 

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.”

Keep Reading About This Topic

 

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.

Read More About This Topic