Home Mortgage of America, Inc. - Pensacola

Need to get your back on track? First, ensure you pay your bills on time. Next, pay down any outstanding balances. And try to avoid applying for new credit or taking on new debt. Once your credit is where you would like it to be, contact us to get started with buying a home! https://www.hometrust.com/contact-us/

Is the you saved to buy a home not quite enough to avoid private mortgage insurance ( ) or a mortgage insurance premium ( )? What’s the difference, and which one is the right fit for you? https://www.hometrust.com/blog/whats-the-difference-between-private-mortgage-insurance-and-mortgage-insurance-premium/

Ready to buy your first home? Get pre-approved with us today! https://www.hometrust.com/home-purchase/

Did you know you could purchase a with a home loan? Get the details here… https://www.hometrust.com/blog/is-it-possible-to-buy-a-condo-with-a-va-loan/

What is a ? https://www.hometrust.com/mortgage-basics/foreclosure/

To or not to refinance? Let us help walk you through the process. https://www.hometrust.com/contact-us/

With the current market, many Americans are considering whether they should buy or rent. Here are some things to consider when weighing your options. https://www.hometrust.com/blog/things-to-consider-when-deciding-to-rent-or-buy-your-first-home/

Are you considering buying points? Is it worth it? https://www.hometrust.com/blog/buying-mortgage-points-is-it-worth-it/

What is an appraisal? An is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a before loan approval to ensure that the amount is not more than the value of the property. The appraisal is performed by an "appraiser", typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions. Learn more about appraisals… https://www.hometrust.com/mortgage-basics/appraisals/

How much will your monthly interest payment be with the you locked in? Check out our interest-only calculator to determine how much you will pay in interest. https://www.hometrust.com/mortgage-calculators/?calc=interest-only

Obtaining a loan doesn’t have to be a complicated process. Here’s how the loan process works with us. https://www.hometrust.com/loan-process/

During the underwriting process is when income verification happens. This ultimately determines if the will be approved or not. So, what is the underwriter looking for and what are the requirements? https://www.hometrust.com/blog/how-does-income-verification-work/

Since being founded in 1986, Company, a non-depository bank, has been providing an extensive suite of loan programs. Our in-house processing, , and closing departments have ensured that our customers receive the best loan program for their needs as well as a successful and consistent loan experience. Our history of growth and stability through market fluctuation is in large part due to our strength, flexibility, and our high volume of new and repeat business. https://www.hometrust.com/

Ready to take the leap and buy your home? Whether you’re planning for the near future or the distant future, there are some essential details to consider before jumping in! https://www.hometrust.com/blog/getting-ready-to-buy-a-retirement-home-things-to-consider/

Looking to ? Here are the top reasons do:

• Lower your monthly mortgage payment
• Get rid of your mortgage insurance (PMI)
• Pay off your mortgage faster
• Lock in on a low, fixed-rate loan
• Take cash out of your home equity

Contact us if you are interested in your . https://www.hometrust.com/contact-us/

Think you can’t buy a home because your credit isn’t great? Think again! Here’s your guide to becoming a , even with less than perfect credit! https://www.hometrust.com/blog/your-guide-to-buying-a-home-when-you-have-bad-credit/

Do you run your own business? If you are self-employed, a may be your key to . Reach out to us to learn more. https://www.hometrust.com/contact-us/

Concerned about making your payment on time? Here are some solutions to help you avoid a . https://www.hometrust.com/mortgage-basics/foreclosure/

Our home office is in Houston, TX, but we have 16 branches across 4 states in the U.S. Visit us at one of our many locations! https://www.hometrust.com/branches/

Hey first-time homebuyers, wondering how much you need to save for closing costs? https://www.hometrust.com/mortgage-basics/closing-costs/

Happy Independence Day!

Did you know? We have been in business since 1986… over 35 years! We love what we do, so we keep doing what we love! https://www.hometrust.com/about-us/

Is credit card debt stressing you out? Have you considered taking out a home equity loan to help? Here’s how the process works… https://www.hometrust.com/blog/your-guide-to-paying-down-credit-card-debt-with-a-home-equity-loan/

Are you a contract employee and wondering how you can get approved for a ? https://www.hometrust.com/blog/how-can-i-get-approved-for-a-mortgage-as-a-contract-employee/

Check out our calculator to see what price range works best for your home buying budget. https://www.hometrust.com/mortgage-calculators/?calc=affordability

Ready to buy your dream home this summer, but not sure which type of is right for you?

Fixed: https://www.hometrust.com/loan-programs/fixed-rate-mortgage/
Adjustable: https://www.hometrust.com/loan-programs/adjustable-rate-mortgages/

Accountability is one of our . And our solid track record of closing on time is proof that we care about our customers. https://www.hometrust.com/about-us/

Pay more and pay off more quickly! Check out our payoff calculator to see how long your will last if you pay more. https://www.hometrust.com/mortgage-calculators/?calc=payoff