H & L Mortgage name has been synonymous with exceptional homes, superior craftsmanship and outstanding value.

One lesson our rich history has taught us is that in order to maintain our leadership position in the industry we must always be innovative and forward thinking.

It is for this reason that we started H&L Mortgage . Now, not only do we feature the latest in trend-setting home styles, but we also offer the entire range of mortgage products, too"

The Convenience of Your One-Stop Shopping

When purchasing a new home, financing always plays a major role, and securing the best available mortgage terms is always foremost on our customers' minds.

In the past, buyers had to search out mortgages themselves by either calling an endless list of lenders or spending hours on the internet. When they finally found what they considered to be a favorable one, they had no idea who it was they were working with or if the company would be responsive to their needs.

Now there is a more efficient and expedient way to handle this task -- with H&L Mortgage. Every H&L company sales office is also a fully-equipped financing center where the most up-to-date mortgage rates can be obtained. A financing specialist is available to assist you in selecting the financing options that best suits your individual situation. And because this individual is also a new home construction expert, the loan transaction will be tracked from the time you first fill out hte paperwork until the day you move in your new home. This insider's perspective allows us to know when to order inspections and, most importantly, prompt you when to lock-in your interest rate.

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The Complete Range of Mortgages

You'll find all the popular mortgage products including 30-year Fixed, Adjustable Rate, Jumbo Loans, F.H.A., V.A. and Combination loans such as the 80-15-5 and 80-10-10. Many loans are offered with extended lock-in periods which guarantee the rate for up to one-year, if required.

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Why a H&L Mortgage is the only Mortgage to take Home

When purchasing a new home, there is a natural tendency to "under buy" buy substantially less home than can actually be afforded. This may mean that you outgrow the home too quickly and are back out shopping again -- a costly endeavor both in dollars and in the amount of time involved.

By taking advantage our FREE Mortgage Pre-Qualification, we'll show you, in advance, the price range you can afford and what your monthly payments can be before you start your new home search.

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Fast Loan Application Review

Until your loan is approved, construction cannot begin on your new home. As both of your builder and lender, we'll do everything we can to process your application as quickly as possible, regardless of prevailing market conditions. Plus, we'll have everything in order for your closing and will be there by your side to make sure nothing delays you on this important day.

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