Welcome!
Whether you're a first-time homebuyer, or ready to refinance to take advantage of the hard-earned equity
you've built up in your home, H.L.F. Mortgage Services, Inc. has the best program to suit your needs.
Unlike many of the mortgage loan superstores whose ads you've seen on television, H.L.F. is a small, family-owned business.
Instead of a large advertising budget, we rely on the word-of-mouth recommendations of satisfied customers and the strong working
relationships we've built with area realtors to fuel our business. Since 1990, we've found this approach works for us.
Should you buy?
There are tools on this site to help you get an idea of the costs involved in buying or refinancing a home. Visit the
Calculators page for more information.
Getting prequalified
We can help you determine the right program by making some calculations based on your income, assets, debts and credit history.
If you'd like to learn more, visit
Frequently Asked Questions to find the answers. Or, feel free
to
contact us to get the process rolling!
Programs
Learn about Conventional, FHA and VA loans when you go to the
Programs page.
The loan process
Once you've been prequalified for a mortgage, the loan process kicks off. You can find more information about what to expect
over at
Frequently Asked Questions.