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# Your home mortgage solution

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- [Home](https://yhms.wpenginepowered.com/) - Welcome to the Home Mortgage Solutions Home Loans Made Simple Pre-Approval in Minutes Purchase or refinance with clear guidance, competitive options, and a team that puts your goals first. BUY REFINANCE ABOUT US Your Mortgage Matters. We Treat It Like Family. When your work with our team, you receive honest advice and family-level support. We
- [Privacy Policy](https://yhms.wpenginepowered.com/privacy-policy/) - Home Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers’ need and desire to preserve their privacy and confidentiality. Safeguarding our customers’ privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers’ nonpublic personal
- [Legal Disclaimer](https://yhms.wpenginepowered.com/legal/) - Home We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes. The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer
- [Accessibility Statement](https://yhms.wpenginepowered.com/accessibility-statement/) - Home GeneralHome Mortgage Solutions Inc strives to ensure that its services are accessible to people with disabilities. Home Mortgage Solutions Inc has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the
- [Foreclosure](https://yhms.wpenginepowered.com/mortgage-basics/foreclosure/) - Mortgage Basics Mortgage Basics What is Foreclosure? It’s when a homeowner is unable to make principal and/or interest payments on their mortgage. The lender, a bank or building society, can seize and sell the property as stipulated in the terms of the mortgage contract. GET A QUICK QUOTE SIMPLE . EFFICIENT . FINANCING Things To
- [Glossary](https://yhms.wpenginepowered.com/mortgage-basics/glossary/) - Mortgage Basics Below is a list common definitions for Mortgage Terms A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A 1003 Uniform Residential Loan Application. A & D LOAN Acquisition and development loan- a loan for the
- [Private Mortgage Insurance](https://yhms.wpenginepowered.com/mortgage-basics/private-mortgage-insurance/) - Mortgage Basics Mortgage Basics What is Private Mortgage Insurance (PMI)? On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay
- [Appraisals](https://yhms.wpenginepowered.com/mortgage-basics/appraisals/) - Mortgage Basics Mortgage Basics What is Appraisals? An Appraisal is an estimate of a property’s fair market value. It’s a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by
- [Closing Cost](https://yhms.wpenginepowered.com/mortgage-basics/closing-cost/) - Mortgage Basics Mortgage Basics What is Closing Cost? A closing cost is a payment required to finalize a home loan and is separate from a down-payment. Read about closing cost, their purpose, how you can pay them and more by clicking learn more below. GET A QUICK QUOTE SIMPLE . EFFICIENT . FINANCING Things To
- [Credit](https://yhms.wpenginepowered.com/mortgage-basics/credit/) - Mortgage Basics Mortgage Basics What is Credit? Credit history is a recorded file of past and current credit that is utilized to compile a credit score. Read about credit, how it works, how to improve your score and more by clicking learn more below. GET A QUICK QUOTE SIMPLE . EFFICIENT . FINANCING Things To
- [Application Checklist](https://yhms.wpenginepowered.com/mortgage-basics/application-checklist/) - Mortgage Basics Mortgage Basics What is Application Checklist? Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as
- [FHA Loans](https://yhms.wpenginepowered.com/loan-programs/fha-loans/) - Loan Programs Loan Programs What is FHA Loans? FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA). FHA loans are available for single family and multifamily homes. These home loans allow banks to continuously issue loans without much risk or capital requirements. The FHA doesn’t issue loans
- [Jumbo Loans](https://yhms.wpenginepowered.com/loan-programs/jumbo-loans/) - Loan Programs Loan Programs What is Jumbo Loans? A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan
- [VA Home Loans](https://yhms.wpenginepowered.com/loan-programs/va-home-loans/) - Loan Programs Loan Programs What is VA Home Loans? The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families. The Veterans Administration provides insurance to lenders in the case that you default on a loan.
- [Graduated Payment Mortgages](https://yhms.wpenginepowered.com/loan-programs/graduated-payment-mortgages/) - Loan Programs Loan Programs What is Graduated Payment Mortgages? A graduated payment mortgage is a loan where the payment increases each year for a predetermined amount of time (such as 5 or 10 years), then becomes fixed for the remaining duration of the loan. When interest rates are high, borrowers can use a graduated payment
- [Fixed Rate Mortgages](https://yhms.wpenginepowered.com/loan-programs/fixed-rate-mortgages/) - Loan Programs Loan Programs What is Fixed Rate Mortgages? The traditional fixed rate mortgage is the most common type of loan program, where monthly principal and interest payments never change during the life of the loan. Fixed rate mortgages are available in terms ranging from 10 to 30 years and in most cases can be
- [Interest Only Mortgages](https://yhms.wpenginepowered.com/loan-programs/interest-only-mortgages/) - Loan Programs Loan Programs What is Interest Only Mortgages? A mortgage is called “Interest Only” when its monthly payment does not include the repayment of principal for a certain period of time. Interest Only loans are offered on fixed rate or adjustable rate mortgages as wells as on option ARMs. At the end of the
- [Conventional Loans](https://yhms.wpenginepowered.com/loan-programs/conventional-loans/) - Loan Programs Loan Programs What is Conventional Loans? A conventional loan is a type of loan that doesn’t have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional
- [About Us](https://yhms.wpenginepowered.com/about-us/) - Home ABOUT US The Road to Home Ownership Just Got Easier! Our mission is to serve our customers with honesty, integrity and competence. Our commitment is to provide above and beyond quality service, quick turn around times, and the highest level of individual care and consideration for each client, while providing them with the lowest
- [Frequently Asked Questions](https://yhms.wpenginepowered.com/faq/) - Loan Programs When should I refinance? It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding
- [Mortgage Basics](https://yhms.wpenginepowered.com/mortgage-basics/) - Home SIMPLE . EFFICIENT . FINANCING Jump in and get an overview on common mortgage terms Application Checklist Applying for a mortgage can seem like a daunting and scary process. To help, we’ve created a checklist of things for you to compile, complete and acknowledge before applying. See the fill list by clicking learn more
- [Mortgage Calculator - Purchase](https://yhms.wpenginepowered.com/mortgage-calculator-purchase/) - Mortgage Calculator
- [Loan Programs](https://yhms.wpenginepowered.com/loan-programs/) - Home Loan Programs Which Mortgage is Right for You? There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs. GET STARTED SIMPLE . EFFICIENT . FINANCING Mortgage
- [Refinance](https://yhms.wpenginepowered.com/mortgage-basics/refinance/) - Mortgage Basics Mortgage Basics When I should refinance? It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your
- [Mortgage Loan Process](https://yhms.wpenginepowered.com/loan-process/) - Home STEP 1 Find Out How Much You Can Borrow The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate
- [Resources](https://yhms.wpenginepowered.com/resources/) - Home Start Now Join our millions of satisfied clients APPLY NOW

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- [footer](https://yhms.wpenginepowered.com/?elementskit_template=footer) - We’ve been helping customers afford the home of their dreams for many years and we love what we do. NMLS: 243567 NMLS Consumer Access Contact Info (877) 847-4337 info@homemtgsolutions.net 4850 Tamiami Trail North Suite 301 Naples, FL 34103 Disclaimer Legal Privacy Policy Accessibility Statement Site Map Resources Mortgage Calculator Mortgage Basics FAQ’s Apply Now Copyright
- [header](https://yhms.wpenginepowered.com/?elementskit_template=header) - Home Buy Refinance Loan Programs Conventional Loans Interest Only Mortgages Fixed Rate Mortgages Graduated Payment Mortgages VA Home Loans Jumbo Loans FHA Loans Resources Mortgage Calculator – Purchase Mortgage Basics FAQs Meet The Team X (877) 847-4337 APPLY NOW