Mortgage solutions tailored to your goals.
Compare available programs from multiple approved lenders with a dedicated HMCo Loan Originator who explains the costs, tradeoffs and next steps.
National survey averages for informational purposes only. These are not HMCo offered rates.
What are you looking to do?
You do not need to know the program name. Start with the outcome, then compare the mortgage options designed around it.
One conversation. More ways to compare.
A bank or credit union generally presents programs available through that institution. HMCo helps eligible borrowers compare available options through a network of approved wholesale lenders.
See the HMCo approach
✓ Multiple approved lenders
Generally one institution
✓ Standard and specialty options
Varies by institution
✓ Options reviewed with one HMCo MLO
May require separate shopping
Not tied to deposit accounts
May offer member or account benefits
Different programs solve different problems.
Choose a situation to see why borrowers often compare these options. This is education—not a qualification decision.
Conventional or FHA?
Both may finance an eligible primary home, but qualification, mortgage insurance and long-term cost can work differently.
Flexible property and term choices
- Often considered by
- First-time and repeat buyers with established credit
- Property use
- Primary, second home or eligible investment property
- Mortgage insurance
- May apply with lower equity and may be removable when requirements are met
- Important tradeoff
- Pricing can vary with credit, occupancy, property and loan-to-value
Government-insured flexibility
- Often considered by
- Eligible primary-home buyers seeking flexible guidelines
- Property use
- Eligible primary residence
- Mortgage insurance
- Upfront and annual premiums generally apply
- Important tradeoff
- Property standards and county loan limits apply
VA or conventional?
VA financing may provide valuable benefit-backed features, while conventional financing can offer broader occupancy choices.
A benefit-backed primary-home option
- Often considered by
- Eligible veterans, service members and certain surviving spouses
- Property use
- Eligible primary residence
- Mortgage insurance
- No monthly private mortgage insurance; a funding fee may apply
- Important tradeoff
- Entitlement, occupancy and property requirements apply
Broader occupancy flexibility
- Often considered by
- Qualified first-time and repeat buyers
- Property use
- Primary, second home or eligible investment property
- Mortgage insurance
- May apply depending on the down payment and program
- Important tradeoff
- Credit and loan-to-value can materially affect pricing
USDA or FHA?
USDA may serve eligible buyers and properties in designated areas. FHA can be considered more broadly for eligible primary residences.
Designed for eligible communities
- Often considered by
- Eligible buyers in USDA-designated areas
- Property use
- Eligible primary residence
- Mortgage insurance or fees
- Upfront and annual guarantee fees generally apply
- Important tradeoff
- Property-location and household-income limits apply
Flexible primary-home financing
- Often considered by
- Eligible buyers seeking flexible qualification guidelines
- Property use
- Eligible primary residence
- Mortgage insurance or fees
- Upfront and annual mortgage insurance generally applies
- Important tradeoff
- County loan limits and property standards apply
DSCR or bank statement?
These products address different needs: property cash flow for investors versus alternative income documentation for eligible self-employed borrowers.
Property-focused investor financing
- Often considered by
- Real estate investors financing an eligible rental property
- Primary qualification focus
- Eligible property rental cash flow
- Property use
- Non-owner-occupied investment property
- Important tradeoff
- Rates, fees, reserves and prepayment terms may differ from agency financing
Alternative self-employment income review
- Often considered by
- Self-employed borrowers with eligible cash flow
- Primary qualification focus
- Eligible personal or business bank deposits
- Property use
- Varies by lender and program
- Important tradeoff
- Expense factors, deposit eligibility, pricing and documentation vary
Always know what comes next.
Use secure digital tools for speed and convenience while your Loan Originator remains available to explain the documents, decisions and milestones behind the screen.
- 01Share your goalBegin online or start with a conversation.
- 02Review available optionsCompare program fit, costs and tradeoffs.
- 03Move toward closingTrack requests and stay connected to your MLO.
DHApplication submittedComplete
Document reviewIn progress
View requestProgram comparisonComing next
Your HMCo Loan OriginatorQuestions? Your direct contact is right here.
→Turn a home price into a monthly starting point.
Adjust the scenario to estimate principal and interest. Taxes, insurance, association dues and mortgage insurance can also affect the complete payment.
Delivering mortgages where we are licensed.
Select a highlighted state for current availability. HMCo can accept applications only where the property and applicable licensing allow.
Florida
HMCo currently accepts mortgage inquiries and applications for eligible Florida properties.
Florida Mortgage Broker License #MBR8425 Start a Florida application →State boundaries are shown for service-area context. Written licensing status controls current availability.
Meet the person behind your mortgage.
Each HMCo Loan Originator can have a focused one-page site with direct contact information, NMLS details, licensed states, specialties, educational resources and a personalized application link.
Direct connectionCall, email or schedule with your MLO.
Clear credentialsSee licensing, NMLS and specialty details.
Personal applicationApply through the correct originator’s link.
HMCo Loan OriginatorDylan HastingsNMLS #952577
Dylan helps homebuyers and property owners understand their options, compare mortgage programs and move forward with a clear plan.
Clear communication changes the experience.
Mortgage decisions can feel complicated. The goal is to make every next step easier to understand.
★★★★★“Dylan was great to work with—knowledgeable, communicative and patient. We got the home closed for our clients.”
★★★★★“Dylan was outstanding and essential to our mortgage process. He kept us informed every step of the way.”
★★★★★“Dylan made buying my new home feel simple and stress-free. I felt supported every step of the way.”
Answers that make the next decision easier.
Make it with a clearer mortgage plan.
Begin securely online or talk with an HMCo Loan Originator before you apply.