Kickstart your next purchase with a Pre-Approval!


The starting point for your next big move - Pre-Approval

Pre-Approval is the gold standard for determining whether you can buy a home. During yours, a licensed loan officer will look over your whole financial picture to determine what sort of home you could qualify for. In the end, you get a certified letter stating that a Specialist will get a mortgage for you. Our Pre-Approvals are good for 90 days.



When we issue Pre-Approval, we're sure to take the time necessary to look over every aspect.



We can issue Pre-Approvals fast so that you know your options when you need them!



Our Pre-Approvals last 90 days, that's how long a credit report remains valid for, this means you can shop the market for 3 months!



We're Brokers, when you get Pre-Approved with us it means you get options for: rate, down payment, term, and more.


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