Your next purchase doesn't need to be difficult.


Purchase with a broker you can trust.

During your next home purchase with Home Mortgage Specialists, Inc. you can count on us to represent you as the purchaser. We'll help you get financing, help you understand the loan process and prepare you for the closing date so that you can close with certainty.


Managed Mortgages

Many banks and other brokers don't offer an in house team. We do. Our mortgage process is fully managed in house. This in house system means that your loan will close as fast as possible and that whenever you have a question, there will be someone to answer.


Simple Requests

Serving as your broker, we will strive to provide you with simple requests and easy instruction. Rest assured, we won't let you miss a single step! 


More Options

Because we're a broker, we're not beholden to big banks or corporate interests that don't have yours in mind. We can shop with whoever we want - wherever we want. This gets you options, and options means savings.


Fast Pre-Approvals

When you purchase with HMS we offer Pre-Approval Letters at a moment's notice. Meaning when you need to make an offer, you have the letter you need! 


When you choose HMS to be your mortgage brokerage, we take care of all the details.

Fast and reliable customer service
Wide array of loan products and lenders
One stop hub for all things home loans
Fast and free pre-approvals
Simple and understandable rate quotes
Free mortgage consultations and business partner network
/ Frequently Asked questions

What can HMS do for you?

Purchases, Refinances, and More

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.

How many times is credit pulled?

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.

Does HMS issue Pre-Approvals?

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! 

Is HMS a Bank? 

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! 

How long does it take to close?

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.


We work with our clients to build relationships that last.

"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."

Kenneth James
Home Purchase

"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."

Timothy Barnes
Home Refinance