THM Mortgage

THM Mortgage takes pride in simplifying and educating clients about the mortgage process and providing the best available options that fit their needs.

We shop the entire market for you, and combined with our local expertise, we ensure you get the best available loan. Start now by completing the loan application.

This is what we can promise you:

Save you time and efforts. You don’t need to shop with multiple lenders. We will pick the right lender for you that will close your loan faster at lower cost.
Access to more loan programs and competitive interest rates.
Easier mortgage experience. We make the mortgage process seems effortless.
Outstanding Customer Service. Having one point of contact throughout the mortgage process is priceless.

Low Rates and Fees

We offer excellent rates and we make sure you get the right deal for you.

Easy Application

No complicated forms and unnecessary paperwork.

Best Lenders

Access to the Nation's best lenders.

Programs Available

Conventional Loans:

A conventional mortgage loan is a “conforming” loan, which simply means that it meets the
requirements for Fannie Mae or Freddie Mac. Fannie Mae and Freddie Mac are government-sponsored
enterprises that purchase mortgages from lenders and sell them to investors.

FHA Loans:

FHA loans, which are backed by the Federal Housing Administration, offer the ability to get approved
with a lower credit score and lower down payment compared to conventional loans.

Non-QM Loans:

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that you could qualify for using
alternative methods, instead of the traditional strict income verification required for most loans.
Common examples include bank statements or using your assets as income. Non-QM is very common
option for self-employed borrowers and investors.

VA Loans:

A VA loan is a mortgage loan available through the U.S. Department of Veterans Affairs (VA) (previously the Veterans Administration). With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate. This loan program provides up to 100% financing on the value of a home. Eligible borrowers can use a VA loan to purchase or build a home, improve and repair a home, or refinance a mortgage.