Helping You Confidently Navigate the
Loan Process
You Have a Guide Through Every Step of the Loan Process
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!
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.
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
"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
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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