Hometown Purchase Loans
Helping local families buy homes since 1996.
As a boutique, locally rooted mortgage company, we work closely with trusted appraisers, title companies, inspectors, and partners to keep your purchase smooth, coordinated, and surprise-free.
A Mortgage Broker That Works For You, Not the bank.
As a mortgage broker, Home Town Mortgage is not tied to a single lender or set of rates. We shop across multiple lending partners to find the loan, rate, and structure that best fits your financial picture and long-term goals.
Our Process
Our Purchase Process
We keep the home buying process simple, clear, and well‑paced, so you always know what comes next.
Common First Time Buyer Mistakes We Prevent
Shopping For Homes Above Budget
Buying beyond what comfortably fits your finances often leads to stress, failed contracts, or long‑term strain that could have been avoided with clear upfront guidance.
Waiting to Get Pre-approved
In competitive markets, delays in financing readiness can cause you to miss out on homes even when your offer is strong.
Focusing Only on Interest Rates
The lowest rate does not always mean the best loan when closing costs, fees, and long‑term impact are ignored.
Confusing Pre-qualified With Pre-approval
Pre‑qualification is an estimate, while true pre‑approval verifies your financials and is what sellers and agents take seriously.
Personal Financial Changes
Even small financial changes like changing jobs, taking on new debt, or opening credit during the loan process can jeopardize approval or delay closing.
Loan Types
Loan options that fit real life.
Every buyer’s situation is different. We help you understand your options and choose the loan that fits your goals, so you can move forward with confidence.
Conventional Loans
A popular option for buyers with solid credit and stable income, often offering competitive rates and flexible terms.
FHA Loans
Designed for buyers who may need lower down payment requirements or more flexible credit guidelines, especially helpful for first-time buyers.
VA Loans
Exclusive to eligible veterans and service members, offering powerful benefits like no down payment options and favorable terms.
USDA Loans
A great option for qualifying rural and suburban areas, often featuring low or no down payment for eligible buyers.
Jumbo Loans
Built for higher-priced homes that exceed conventional loan limits, tailored for buyers purchasing upscale or luxury properties.
Non-QM and Niche Loans
Solutions for unique financial situations, such as self-employed income, non-traditional documentation, or complex scenarios.
Let's Find The Right Loan For You.
Get a free consultation and explore the best options for your situation.
NMLS
#164609
Georgia Residential Mortgage Licensee
#11845
Alabama Residential Mortgage Licensee
#22926
South Carolina Residential Mortgage Licensee
#164609
