Personalized Home Loan Solutions with Hart.

  • Competitive Rates & Fast Approvals – Get the best rates without the wait.
  • Loan Options for Every Buyer – Conventional, FHA, VA, USDA, and Non-QM loans.
  • Expert Guidance Every Step of the Way – 12+ years of mortgage experience.

  • Licensed in FL, GA, MI, and NC – Helping homebuyers across multiple states.

Mortgage Options Tailored to You

Below are the loan programs we offer, each designed to fit different homebuyer needs. Click each option to learn more about eligibility, benefits, and application steps.

USDA Loans

Zero-down financing for rural and suburban buyers. A USDA loan offers 100% financing, low interest rates, and flexible credit requirements, making homeownership more accessible in eligible areas.

Non-QM Loans

Flexible solutions for self-employed and investors. Non-QM loans provide alternative mortgage solutions for self-employed borrowers, business owners, real estate investors, and those with non-traditional income.

New Construction Loans

Financing for building a new home. Whether you’re working with a builder or financing a custom home, we offer construction loans with flexible terms, interest-only payments, and easy conversions to permanent financing.

Conventional Loans

Ideal for borrowers with strong credit. A great option for buyers with good credit and stable income, conventional loans offer low rates, flexible terms, and competitive down payment options.

FHA Loans

Low down payment options for first-time buyers. FHA loans make homeownership possible with as little as 3.5% down, flexible credit requirements, and competitive interest rates.

VA Loans

Exclusive benefits for veterans and active-duty military. VA loans offer zero down payment, no PMI, and low interest rates—exclusively for veterans, active-duty military, and eligible spouses.

Mortgage Questions? We Have Answers.

Pre-qualification is a quick estimate, while pre-approval is a full lender commitment based on income, credit, and debt review.

Most loan programs require a 580+ credit score (FHA). Conventional loans often require 620+ for better rates.

Down payments vary by loan type:

• 0% Down: VA & USDA Loans

• 3-3.5% Down: FHA & some Conventional Loans

• 5-20% Down: Most Conventional Loans to avoid PMI

The average mortgage approval process takes 30-45 days, but it can be faster with proper documentation.