There are many factors that affect the interest rate you will be charged on your mortgage. Factors such as your credit score, your LTV (loan to value) ratio, your documentation type, your debt to income ratio, whether or not you establish an escrow account and various other items all factor together to determine your interest rate. It is important to talk with an educated loan rep to determine what your home financing goals are. After a consultation the loan rep will be able to make recommendations on which loan programs will work best for your unique situation. Because the HLC Team is a direct lender, we have relationships with various investors who allow us to shop many sources to find you the best interest rate.

Many people believe that the interest rate is the most important factor when they are shopping for a home loan, however, we feel that the most important aspect is seeking out a loan rep that is able to determine what programs are best suited for your unique situation.

Our highly trained and educated team have helped save our borrowers money by placing them in the right mortgage program for their needs. For example, if someone is planning on staying in their home for a few years it would benefit them to obtain a semi-fixed mortgage versus a 30 year fixed mortgage. Not only would the borrower receive a lower rate but they would be making a smart financial decision. The HLC Team has helped thousands of people finance their homes and we are dedicated to giving each client the best mortgage and rate for their unique situation.