Buy, refi, or tap equity with confidence

You could be pre-approved for a mortgage in just 5 minutes, with one of our trusted experts.
No credit pull, no obligation.

Find my rate

No credit pull required

Check your eligibility to buy a home without affecting your credit

See if refinancing lowers your rate or payment – no credit pull

Estimate how much equity you can tap into from your home

Check down payment assistance programs in your zip code

  • Won’t affect your credit score
  • Takes less than 2 minutes
  • Free guidance from specialists

James A Thom

Sr. Mortgage Advisor
NMLS #2118704

Schedule your free loan consultation

Get expert guidance on home loans seven days a week. Speak directly with a licensed lending specialist to explore your options, calculate your budget, and fast-track your approval.

Schedule a focused strategy session with a licensed lending specialist to claifiy your budget. We analyze your credit, calculate your debt-to-income (DTI) ratio, and review current market rates to establish an accurate purchase price range.

If you’re exploring first-time buyer programs or down payment assistance and haven’t owned a home in the last 3 years, this is exactly where you want to start.

Start with a First-Time Buyer Call

A working session to complete your mortgage application and prepare you for pre-approval. We’ll go through your details, outline what’s needed, and make sure everything is set up correctly. Best for buyers ready to purchase within the next 90-120 days and looking for a formal pre-approval.

Get Pre-Approved

A strategy session for investment property financing, including DSCR and other non-traditional loan options. This is where we structure loans based on the property’s income, not your personal income or tax returns. We’ll walk through rental income qualification, LLC options, and how to approach your next purchase based on your goals, with solutions for self-employed borrowers and

Discuss Investment Financing

A review of your current mortgage to determine whether refinancing, adjusting your term, or keeping your existing loan makes the most sense based on today’s market and your goals. We’ll also look at options like cash-out refinancing or FHA and VA streamline prog

Review My Mortgage

I’m buying and I need help with getting started

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Home Loan Options

New ways to save

Buy with Preferred Pricing

Get a lower rate year-one or cash credits at closing when you buy with a HomeownershipHub partner agent.

Learn more

Upgrade your mortgage

If rates go lower, your payment can too! Get real-time rate updates and never miss an opportunity to save.

Get rate alerts

Consolidate debt & save

Start the year fresh by using home equity to consolidate debt and ease into a lower rate and payment.

See how it works

Buy a home

Mindful mortgage choices

Buy a home

Mindful mortgage choices

Buy a home

Mindful mortgage choices

Purchasing Power

Learn how much you can afford

Home Valuation

Know what your house is worth

Monthly Payments

Plan for the right balance

Mortgage Rates

Get your rate, make it work

Hi, I’m James

Sr. Mortgage Advisor

Why Buyers Trust Homeownership Hub

Clear guidance. Real experts. No sales pressure. We help you understand your options, compare the numbers, and move forward with confidence.

Find the Right Mortgage for Your Situation

Buying your first home, moving up, refinancing, or using rental income? We help you compare the right path based on your goals, budget, and timeline.

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