Unlock Your Dream Home with Custom Mortgage Solutions
Find the Perfect Mortgage Plan Tailored to Your Needs
Your Home. Your Terms. Your Perfect Mortgage.
Buying a home is one of the most important financial decisions you’ll ever make and it deserves a plan that’s built around you. At Home Mortgage Design, we specialize in creating personalized mortgage solutions tailored to your unique goals and financial picture.
Whether you're buying your first home or refinancing your current one, our expert team is here to guide you through every step with clarity, confidence, and care. Discover competitive rates, flexible loan options, and a home loan experience designed to make ownership more achievable than ever.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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Unlock Your Dream Home with Our Mortgage Solutions.
10+
Year of
experiance
who we are?
Your Trusted Partner in Home Financing
we’re more than just a mortgage lender—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
why choose us?
Building Foundations for a
Brighter Future
Home Purchase
Refinance
Loan Options
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Homeownership Starts Here
we simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
what we offer ?
Effortless Mortgages, Realize Your Dreams
we streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
Conventional
Conventional loans are mortgage loans that are not insured by a government agency. They are offered by lenders and financial institutions that are considered Government Sponsored Entities (GSE.) Conventional loans may have a higher credit score requirements and have stricter income and debt-to-income ratio requirements than government backed loans..
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
VA Loan
VA loans are mortgage loans specifically designed for military veterans, active service members, and their eligible surviving spouses. They are backed by the Department of Veterans Affairs and offer several benefits to eligible borrowers. They offer up to 100% financing and have some of the most lenient credit score and income requirements.
Tailored Financing: Custom loans for new construction, existing or reno. .
Competitive Rates: Favorable terms for better returns.
Expert Support: Guidance throughout the process.
Non-QM Loan
Non-QM loans, are mortgage loans that do not meet the standards set by the Consumer Financial Protection Bureau’s “qualified” mortgage rule. Non-QM loans may be an option for borrowers who do not meet the qualifications for a qualified mortgage, such as those with a high debt-to-income ratio or a non-traditional credit history.
Global Financing: Tailored solutions for self employed or investors.
Expert Assistance: Design for the best loan solution
Flexible Terms: Competitive options for investments.
Consultation
Our consultation services provide personalized guidance to help you navigate the mortgage process effectively.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
Refinancing
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest.
Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
Jumbo Loans
Elevate your dreams with Jumbo Loans—where your high-end property aspirations encounter no barriers. Surpassing the conventional loan limitations established by the mortgage mavens, Fannie Mae and Freddie Mac, these loans open doors to luxury homes and premium real estate that standard mortgages can't touch. Dare to dream bigger in high-cost living locales, because with Jumbo Loans, the sky's the limit.
Comprehensive Coverage: Tailored policies for your needs.
Peace of Mind: Protect against unforeseen events.
Expert Guidance: Assistance in selecting the right insurance options.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Testimonials
— Christina
We can't say enough good things about Ron and his team! Ron was with us every step of the way in our reality search. He was patient and thorough when we had questions (we had a ton as 1st time buyers!). During walkthroughs he'd mention things we wouldn't even have thought about or knew to look for and we felt in good hands every step of the way. Ron had great communication and provided timely responses via text, email, and calls. Ron's guidance and expertise made the whole process as smooth as possible and we are so grateful to work with him and his team. We will work with Ron for all our reality needs in the future!
— Dean
Ron did an excellent job helping me and my family find the perfect home. He was always on top of everything and great to work with. His knowledge of homebuying and attention to detail were invaluable throughout the process. He also worked hard negotiating making sure we got a great price for the house. I would give Ron six stars if I could.
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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