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HME is here to help make sure you get the best possible mortgage, whether you are purchasing a primary residence, second home or investment property. We'll use our state of the art "written" pre-approval process so your purchase offer gets accepted. Most loans close in a couple weeks, right on time. Receive your pre-approval in 24 hours or we'll give you $250!

Purchase /
Expert advice

NMLS Consumer Access: #393510

Refinancing with us is easy! Let us walk you through our comprehensive approach to maximize your refinance value with some of the most competitive rates available. We have helped thousands of property owners by providing expert advise and excellent personal service. Call us today!

especially for

As a direct lender with low overhead, we're able to offer exceptionally low rates. We guarantee that you will get our lowest rate available based on your credit score, property type, loan to value, and conditions. Call today & one of our expert mortgage bankers will provide the details how to save money with our guaranteed low rate offer!

audit my
loan offer

Already "in process" with another lender? We will perform a FREE line-by-line audit of the loan estimate you received. Consumers are often charged excessive fees and hidden costs that are uncovered by our experts. Give us the opportunity to save you hundreds or thousands of dollars. Send us your offer!

refinance /

Expert advice


HME is grateful to Veterans for their service to our nation. We have special financial programs for Veterans. We are located near Camp Pendleton. Many of our employees are Veterans or spouses of Veterans.  We consistently offer Veterans the most competitive rates and services possible. Call today and see the difference.