HOME LOANS MADE SIMPLE, DREAMS MADE POSSIBLE
Using cutting-edge technology and expert guidance, we streamline the home loan process to make your homeownership dreams a reality.
Where the best Technology and the best People meet!
HHL Group has taken what has always been a people-driven business and sprinkled in some of the industry's leading technology to make the loan process easier, faster, and more enjoyable for our customers.
Mortgage Advice & Tips
Learn the ins and outs of mortgage lending and get one step closer to realizing the dream of home ownership!
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The Benefits of Working with a Real Estate Agent as a First-time Homebuyer
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Frequently Asked Questions?
How do I get pre-approved for a home loan?
Let’s help you get pre-approved, it’s never been easier! Fill out our quick online application, and we’ll guide you through the rest of the process towards your pre-approval, and get you out looking for your dream home! Apply Now!
How can I find out how much home I qualify for?
Use our online tool for prequalification and connect with a loan officer. Understand your borrowing capacity before house hunting. Further, your loan officer can verify your assets, income, and assist in obtaining a formal credit approval before you make an offer.
What are mortgage points?
Mortgage points, or discount points, are a one-time fee for a lower interest rate. One point equals 1% of your loan amount and can reduce your rate by 0.125% to 0.25%. Be aware, lenders’ fees vary; they might waive or add fees, altering total mortgage costs.
What’s an APR?
APR, or Annual Percentage Rate, represents the total cost of borrowing, including the interest rate and additional costs such as origination fees or points. It provides a comprehensive view of the loan’s cost annually, helping compare different loan offers.
Can I still get a mortgage if I have bad credit or have filed bankruptcy?
Yes, it’s possible to get a mortgage with bad credit or post-bankruptcy, although it might be more challenging. Some lenders specialize in ‘bad credit’ mortgages. Additionally, FHA loans are designed for those with lower credit scores. Consult with our experts for personalized advice.
I just got a new job. How does this impact getting a mortgage?
A new job can impact mortgage approval, as lenders prefer stable employment history. However, if the job is in the same field and has a higher income, it could be positive. Every situation is unique, so we recommend discussing your specific circumstances with our loan officers.
What are closing costs?
Closing costs are fees and expenses paid at the end of a real estate transaction. They may include loan origination fees, appraisal fees, title searches, title insurance, surveys, taxes, and credit report charges. Typically, they range from 2-5% of the purchase price.
What is mortgage insurance?
Mortgage insurance is a policy that protects lenders against losses if a homeowner defaults on their mortgage. It’s typically required for home loans with a down payment less than 20% of the property price, to offset the risk taken by the lender.
Guaranteed Rate, Inc. D/B/A HHL Group, is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.