Find The Right Home Loan
For Your Needs
At HMAC Team Equal Home Lending we separate ourselves from other mortgage lenders by offering exceptional customer service and a broad selection of home financing products. From loans for first-time homebuyers to refinance programs for accessing your home’s equity, HMAC Team Equal Home Lending can help you achieve your goals.
Where do I start?
First, ask yourself what your home financing goal is. Are you:
Buying a home: We are committed to helping consumers with their financial choices. There are many options to choose from depending on your situation. Visit our Buy a Home page or view our purchase programs below.
Refinancing: If you currently have a mortgage and your goal is to possibly lower your existing mortgage payments, acquire better terms or consolidate your debt, visit our Refinance page or view our refinance programs below.
Using your home equity: Your home is an important asset. Making payments on your mortgage builds home equity which can then be borrowed against for home improvements, college tuition, and retirement.
Specialized Loan Programs
Below are listings of Loan programs that we specialize in. Should you have any questions, don’t hesitate to contact us. We’ll be happy to walk you through our home loans and the financing process.
FHA Program
Conventional Program
12-24 Bank Statement Loan Programs
Jumbo Purchase Program
Jumbo Cash Out Program
Debt Service Coverage Ratio (Investor)
Asset Depletion
New Start Program
1 Year Tax Return – Wage Earners Borrowers
1 Year Tax Return - Self-Employed Borrowers
USDA
VA
Home Ready
Home Possible
All-In-One Program
Verification of Employment ONLY (VOE)
ITIN Program with No Fico
ITIN Program with Fico
2nd Chance Program
Specialty Program Purchase (Slightly Higher Interest Rates)
Specialty Program Rate & Term (Slightly Higher Interest Rates)
Specialty Program Cash Out (Slightly Higher Interest Rates)
FHA Reverse Mortgage
Proprietary Reverse Mortgage
Can't find the loan program you need?
Related Information
HMAC Team Equal Home Lending offers both Fixed Rate & Adjustable Rate mortgages in a variety of terms . . .
A home equity line of credit (HELOC) offers a flexible way to borrow funds. Click here to read more.
A significant part of the home buying process is saving up for a down payment. How much is right . . .