HNB Mortgage

Take the plunge and spring in to your new home. Let us be there every step of the way. Apply today.

Happy Easter from your friends at HNB Mortgage.

Our highly qualified and professional staff is with you every step of the mortgage process. We are always available and ready to answer any questions and address any concerns. We work efficiently and effectively to get your loans closed quickly and with ease! Apply now.

Summer in the sun? Sign us up! Your Florida dream home is just steps away when you have HNB Mortgage by your side. Give us a call and let us help finance your new vacation retreat.

You wont believe how easy financing your home is with HNB Mortgage. We are proud to help you through some of life's biggest moments.

What if I am not able to make a 20% down payment?​​​​​​​​​There are mortgage products and programs that may help​​​​​​​​​qualified first-time homebuyers achieve their goals with less
available cash. Just remember, if you make less than a
20% down payment, you will likely be required to purchase
mortgage insurance (MI) or similar fees, which adds to the
cost of your loan and may increase your monthly payment.
If you know you want to become a homeowner some
day, it’s never too early to start building up your personal
savings.

There is no better place in the summer than the Texas Hill Country. With its breathtaking views and unbeatable sunsets, there's no place quite like it. Let us help finance your dream home (or second home) in the Hill Country today.

Owning a home is one of the biggest financial decisions you will make in your lifetime. But, it is also one of the smartest decisions. Let us help you get on the path to home ownership. Apply today.

There is truly no place like home. Let us help you obtain yours today. Apply now.

If your DTI is discouraging, there are a number of ways to bring the ratio down and set yourself up for a mortgage:​​​​​​​​​​​​​​​​​​Pay down your debt. There are two ways to lower your DTI: decrease your debt or increase your income. However, this doesn’t represent an ‘either/or’ choice, because the best strategy is to decrease your debt by increasing your income. If you have a raise or tax refund coming, or an opportunity for a part-time job, you can improve your DTI by using the extra money to pay down your debt. Also, underwriters like to see an established work history before considering the extra income, so debt reduction represents a more immediate benefit than an increase in income.

Consolidate debt: DTI is a measure of monthly debt expenses against monthly income. Lowering your regular debt payments — even if your overall burden remains unaffected — will benefit your cause. If you have multiple monthly debt payments, a debt consolidation loan may help you shrink their combined effect on DTI.

Go halfsies: Having a co-signer on your mortgage application is a good way to overcome the student loan problem. Trust is the obvious focus in this scenario, so you’ll want a long-time friend or responsible family member to watch your homebuying back.

Build your credit score: Your credit score has a big impact on underwriting, and there are ways you can improve it without actually decreasing your debt. If you have credit card accounts that are paid off, it’s best not to close them, since the length of your credit life directly contributes to your score. However, this isn’t a green light to open new lines of credit, especially during the home mortgage application process, as this will have an unfavorable impact.

Quick credit tip for obtaining your home loan! Do not pay collections until your mortgage lender has a chance to review your credit report. This goes against common sense, but keep in mind that credit scores can drop when you pay a collection. While this doesn’t happen in all cases, don’t take the chance until your mortgage professional advises you on what to do.

Unlike PMI, homeowners insurance is unrelated to your mortgage except for the fact that mortgage lenders require it to protect their interest in the home. While mortgage insurance protects the lender, homeowners insurance protects your home, the contents of your home and you as the homeowner.

We listen to your personal needs and desires to better assist you in making an informed decision about the mortgage program best suited for you. Whether you are pre-qualifying for a home loan, purchasing a primary residence, or a vacation home, we want to help you make the best decision that fits your personal and financial needs.

SIX common mortgage myths. Give us a call and we will help you debunk these myths and bring you closer to your dream of homeownership.

Black Homeownership Awareness week is February 18-25th. Historically, black individuals and families have faced significant barriers to homeownership, including systemic racism like redlining and white flight, which have prevented black households from accumulating wealth at the same rate as white Americans. We must increase the black homeownership rate to provide economic equality for all and accelerate economic growth in the U.S. When we increase the Black homeownership rate, we not only lessen the wealth gap, but homeownership also strengthens families and neighborhoods for generations to come. HNB Mortgage strives to level the playing field for Black Americans, who have faced systematic barriers to homeownership and provide resources and products that can economically empower people in black households. We are here and ready to help. Give us a call today and let’s get you on your way to your dream home.

Happy Presidents Day from HNB Mortgage. Our offices will be closed today, Monday, February 19, 2024. See y 'all tomorrow!

HNB helps make your dreams into your reality. Let us help you finance your new home. Apply today.

We LOVE happy customers!! Congratulations to the Biggs!

What does my mortgage payment include?​​​​​​​​​A mortgage payment consists of principal and interest. If​​​​​​​​​you make less than a 20% down payment, your mortgage
payment will include principal, interest and mortgage
insurance if applicable. In addition, you will be required to
make payments of your homeowners insurance, property
taxes and association dues to your lender on a monthly
basis to be placed in an escrow account.

Buying a home is a big step and an even bigger commitment. It is one of the best things you can do for yourself, but it is important to think everything through before jumping in. Ask yourself these questions and if the answer is YES, then give us a call!

There is nothing more serene than beautiful beaches of Florida. With its breathtaking views and unbeatable sunsets, there's no place quite like it. Let us help finance your dream home (or second home) in the sunshine state today.

Let us help make your BIG dreams a reality. Apply in minutes.

Location is a very important factor when choosing your​​​​​​​​​new home. Here are a few things to think about and​​​​​​​​​discuss with your real estate agent!

What is an escrow?​​​​​​​​​In a mortgage, an escrow is set up by the lender to hold funds, typically for property taxes and homeowners insurance. The lender then pays these expenses on behalf of the borrower when they come due, ensuring that the necessary obligations are fulfilled, and the property remains adequately insured. This is an estimated amount.

Reyna from our Big Spring office represented HNB Mortgage well last night at the Big Spring Area Chamber of Commerce Annual Banquet and Alive After 5. What a fun night!!

Great Neighborhood, Fantastic Schools, Sad Property Options? So many great properties get overlooked because they need some renovation. The best thing is that you can renovate the home to your liking vs. just taking what you can get. Consider putting less money down and using the rest for renovations. Give us a call and we can talk through your options!

Can I Buy a Home After Bankruptcy? Bankruptcy is not an easy thing to go through and many people believe the myth that they cannot own a home after bankruptcy. Borrowers know that will guide them through the process of owning after bankruptcy. You do not have to rent forever, so let’s talk!