How do I get Pre-Approved?

     Simply call our office toll free at 866-667-5363 and talk to an experienced Loan Officer, the

     Process just takes 4 minutes.  You can also click on the Apply Now link to the left and your

     Information will be sent directly to a Loan Officer, who will contact you.

Can I lock an Interest Rate?

     Yes, again simply call our office and a Loan Officer will evaluate your loan and lock the best

     program for your situation.  Loan Officers are available Evenings until 9:00 PM at

     866-667-5363.

Do you provide a Good Faith Estimate or a Quote?

     Not only do we provide the new version of the GFE (Good Faith Estimate) and TIL (Truth in Lending) 

     our loan kit provides detailed explanations of these confusing documents in simple terms.  Most

     Importantly we provide a detailed customized Loan Quote that will provide you with 5 unique

     Loan Scenarios to help you decide the term and savings best for your situation.

How Long Does the Loan Process Take?

     We process all loans with what we call a 'sense of urgency' and pride ourselves with a close

     on time guarantee.  A typical transaction usually closes 10 days after the Underwriting or

     Appraisal review.

What Does it Cost?

     We have never charged an Application Fee and never will.  If an appraisal is required by

     the type of loan the only upfront fee is the appraisal fee paid to the appraiser direct.

If I am purchasing, how much of a Down Payment will I need?

      Depending on your situation we still have programs for little or no money down.

Can I pay off additional bills when I refinance?

      Yes, we do cash out loans for debt consolidation and cash in hand.

 What Documentation do I need to Provide?

     Your Loan Officer will provide you with a list based on your own scenario, we have a

     Streamlined System to make it quick and stress free. 

 How Many different Loan Programs does Home Team offer?

     When we started Home Team we wanted to be a one stop shot for all kinds of 

     mortgage lending, but to simplify we have around 500 programs. 

If you have a Question that wasn't answered, please feel free to email a

question to a Loan Officer at:

      This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

Or Call our Office, Loan Officers are available Daily until 9:00 PM at 866-667-5363.