Find the Right Mortgage with Hart
Every homebuyer’s situation is unique. Whether you’re a first-time buyer, a veteran, or self-employed, we’ll help you find the perfect loan to fit your needs.
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, NC, SC, and MI – 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.
Conventional Loans
Flexible financing for buyers with good credit and stable income.
FHA Loans
Low down payment options for first-time buyers or those with lower credit.
VA Loans
Zero-down home loans exclusively for veterans and active military members.
USDA Loans
No-down-payment loans for eligible rural and suburban homebuyers.
Non-QM Loans
Alternative financing for self-employed, 1099 workers, and real estate investors.
First-Time Homebuyer Loans
Special programs designed to make homeownership more accessible.
New Construction Loans
Financing solutions for building your dream home.
Estimate Your Monthly Mortgage Payment.
Mortgage Questions? We Have Answers.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate, while pre-approval is a full lender commitment based on income, credit, and debt review.
What credit score do I need to buy a home?
Most loan programs require a 580+ credit score (FHA). Conventional loans often require 620+ for better rates.
How much do I need for a down payment?
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
How long does the mortgage approval process take?
The average mortgage approval process takes 30-45 days, but it can be faster with proper documentation.
Start Your Home Financing Journey with Hart.
Whether you’re buying your first home, refinancing, or exploring new loan options, Harmony Home Mortgage is here to guide you every step of the way. Let’s find the right mortgage solution for you.
Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.
Business Hours
Monday – Friday: 9 AM – 6 PM
Saturday: 10 AM – 2 PM
Sunday: Closed
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Harmony Home Mortgage is an independent mortgage broker licensed in Florida, Georgia, North Carolina, South Carolina, and Michigan.
NMLS ID: 1162063
Business NMLS ID: 2629625
All loans are subject to underwriting approval. This is not a commitment to lend. Terms and conditions apply.
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