Your Direct Home Loan Source

Homesite Mortgage is a consumer direct lender that can save you money! As a regional lender we are large enough to offer a wide array of financing solutions - yet small enough to keep our rates low and our customer service high. In 2014 we celebrated our tenth year providing home loan solutions for every type of consumer need. Whether you’re buying a new home or refinancing the one you already have…we’ve got you covered! From our below market rates to our simplified application process we lead the industry in innovation. Ask a mortgage banker about our No Cost Rate Reduction refinance loans or our Guaranteed Closing Date for home buyers!

As a nationally approved VA lender Homesite Mortgage is honored to serve our military veterans. We are also nationally approved by the US Department of Housing and Urban Development to offer FHA loans and by the US Department of Agriculture to offer USDA loans.

Conventional (Fannie Mae/Freddie Mac) Loans

These mortgages are designed for borrowers with good credit and at least 5% down payment (or 5% equity on a refinance). Conventional loans do not require mortgage insurance (PMI) if you have 20% or more down payment (or 20% equity on a refinance). Conventional loans are the most flexible at structuring. This allows savvy mortgage bankers to customize these loans to accommodate their borrower’s needs better.

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FHA Mortgages

These mortgages are government-insured loans that offer down payments of just 3.5% (or 3% equity on a refinance). FHA loans also have very good interest rates but unlike conventional loans, they do require the borrower to pay for mortgage insurance (MI) regardless of how much down payment you have. Some other nice features of FHA loans are you can get your down payment from a relative as a gift and the qualifying credit scores are lower that other programs and go as low as 580.

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VA Mortgages

These mortgages are government-guaranteed and only available to veterans of the armed services, those currently on active duty or in the reserves, and widows or widowers of veterans. VA loans do not require any down payment at all. They also allow for lower credit scores that go as low as 580. However, VA loans to require a funding fee be collected and paid to the VA in exchange for their loan guarantee. The funding fee is almost always added to the loan amount so that the Veteran need not pay it at the closing.

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USDA Rural Development Loans

These mortgages provide financing for low to moderate income buyers in suburban and rural areas. USDA loans do not require any down payment at all. They do require mortgage insurance (MI) in all cases regardless of down payment (or equity on a refinance). Although USDA loans do allow for lower credit scores they are more restrictive than VA and FHA and typically go as low as 640. A unique feature of USDA loans is that you can often times roll all or most of your closing cost into the mortgage.

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Jumbo or Non-Agency Loans

These are mortgages that exceed the conventional loan amount limit of $417,000. Jumbo loans can go to loan amounts as high as $2.5 million. They do have loftier credit and down payment (equity on refinances) requirements but their interest rates are about the same as conventional loans.

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Reverse Mortgages

These mortgages are designed specifically for borrowers who are 62 or older and have substantial equity in their homes. This type of mortgage can be used to increase the monthly income of retired or elderly borrowers. The home owner can receive monthly payments that are added to their loan balance or they can simply choose to take a lump sum distribution of equity. HECMs never require monthly payments and your income and credit score do not matter.

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Knowledge Is Power
Visit Our Learning Center!

Our Learning Center is designed to provide you with the information that you need when shopping for a lender. We’ll tell you what questions to ask and what warning signs to look for in your pursuit of finding the best lender.

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Why do Interest Rates Vary from Lender to Lender?

Learn what factors determine a lender's rate and find out how you can avoid a mortgage mistake.

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Key Questions to Ask Your Lender

Find out the crucial questions that you should be asking a lender to help you find hidden costs and possible scams.

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Improve Your Credit Score In 30 Days

Don't let bad credit stop you from reaching your goals. Learn how you can quickly improve your credit score.

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Track Mortgage Interest Rates

Learn more about market trends and find out the easiest way you can track mortgage interest rates.

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What Our Customers Are Saying About Us

"They have made this process so easy for me. Love dealing with Lindsey Sendstock, she is the one I have had most of my interactions with. She is on top of everything and responds very quickly. I only have good things to say about my experience with Homesite Mortgage Company, I would recommend them to all." - Kathleen Moody

"By far the best loan/closing experience we have ever had, thanks Brian!!!! The entire process was seamless, start to finish, and we would recommend working with him to anyone!!" - Amy Frank Yarbrough

"Home site Mortgage made getting a mortgage easy, Korey Fowler and her team Crystal Tuffy and Lindsey Sengstock,were great!! We now have the house of our dreams. Thank You ladies."

"Brandon promised and delivered. Jumped through the hoops and made it all work. Several other lenders said he wouldn't be able to pull it off, but he did! Apply and do not hesitate. Very professional and very competitive lender. Highly recommended!"

"Korey always went above and beyond the call of duty. She was accurate, detailed, and made every step of the process very easy. She made my dream of owning a home come true!" – Brenda

"Homesite Mortgage is incredible! Korey Fowler and her team have been a tremendous help with my first home purchase - they were always kind, willing to lend a helping hand and incredibly knowledgeable! I cannot say enough how grateful I am for all that they've done. Highly recommend contacting Homesite for your next mortgage :) "- Alyssa Chmiel

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What is the VA Home Loan Limit?
If you're considering using your VA benefits to qualify for a VA home loan or refinance, prepare yourself with the knowledge of how much you can borrow. While the VA posts traditional VA home loan limits regularly online, under certain circumstances you can borrow more than what's set as the meaximum loan limit to get into the […]
How to Qualify for a VA Home Loan with Low Credit
Did you know that qualifying for a VA home loan is largely based off the lender’s discretion? In fact, the VA guidelines state that “Underwriting decisions must be based on sound application of the underwriting standards, and underwriters are expected to use good judgment and flexibility in applying the guidelines set forth.” Since VA home […]
Tips to Refinancing Your VA Home Loan
When refinancing, did you know you can refinance any loan using your VA benefits? You can switch from a conventional to VA loan anytime, and from a VA loan to an FHA loan anytime (but why would you?). It doesn’t matter what type of loan you’re currently in—using your VA benefits is often the best […]

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