Loan Process

When it comes to loan offerings, we pride ourselves on having competitive rates and a host of loan programs to fit the needs of borrowers from every walk of life.

Beyond having flexible options and great rates, we offer a helping hand throughout the loan process. Purchasing or refinancing a home can be daunting, but Home Point is here to make it easy and seamless. We want our customers to have the best experience possible during this important process.

Our experts will meet with you to understand your goals and help you identify the best loan scenario for your situation. While conventional loans are common, there are other options that have the flexibility built into the qualifying criteria, such as using extended household income or broader income to qualify.

How It Works

Loan Programs

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Licensed Mortgage Banker, New Jersey » Licensed Mortgage Banker-NYS Department of Financial Services; License Number 107974 » Connecticut Licensed Correspondent, Connecticut » Licensed Mortgage Lender, Pennsylvania Florida Mortgage Lender MLD688 » NMLS #214882 » Vermont Mortgage Lender 6349 » New Hampshire Mortgage Banker License #17009-MB » Rhode Island Lender License 20122836LL TEXAS LOAN DISCOSURE 1) Per Texas Administrative Code, the website is required to prominently display the Texas Recovery Fund Notice (copied in subsection (a) below) and the contact information for the Texas Department of Savings and Mortgage Lending. This also appears on Customized Mortgage Solutions main website: a. AMERICAS MORTGAGE LENDER IS Licensed UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST AMERICAS MORTGAGE LENDER SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT'S WEB SITE LOCATED AT http://www.sml.texas.gov OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL ATSMLINFO@SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF Licensed RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT'S WEB SITE REFERENCED ABOVE.

Licensed by the Department of Business Oversight, under the California Residential Lending Act