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Home > Financial Services > Mortgage Brokers > Homeland Capital Group

Homeland Capital Group

A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.

Homeland Capital Group is a wholly owned subsidiary of First Greensboro Home Equity, Inc. This is a wholesale company that serves Mortgage Professionals in a number of states, who are properly licensed to do business as Mortgage Brokers or Mortgage Bankers. They offer an array of mortgage and home equity products with competitive pricing and quality personal service.

Company provides loan types including purchase and refinance loans, 1st and 2nd liens, fixed rate loans with 120, 180, 240, 300, 360 & 360/180 balloon terms, ARM rates with 2/28 and 3/27 terms etc. However, there are programs that have stricter debt ratio limitations. They allow a maximum loan amount of up to $1 million.

They offer loans for borrowers with all types of income. They require that self-employed persons have been self-employed for the past 24 months. For wage earners, they require a 24-month employment history with a written VOE for those borrowers that have not been on their current job for the entire 24 month period. Fixed Income borrowers must prove that they will continue to receive the monthly income for a period of time that is specified by the particular program they have them in, generally 24-36 months.

They make loans on residential properties only, no mixed use or commercial properties are allowed under their programs. The property types that are acceptable include Single-Family Detached, PUD's, Town homes, Condos, Row homes, Duplexes, 3-4 Units.

The Group offers a wide array of mortgage products to accommodate borrowers with varying credit backgrounds. Their intent is to have flexible programs to place borrowers with excellent credit history, as well as those that have had a few bumps in the road.

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