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Find out what you can afford before you start
searching for a home.

Congratulations! You're ready to buy a home

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/43.” This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward your housing payment, and no more than 43% of your monthly income can go toward your total monthly payments that are showing on your credit report (in addition to your mortgage payment).

Home Owners

We hold the key to making your home purchase hassle Free!

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Choosing a home loan that matches your goals and making sure you get the best rate for your given scenario can be a hassle.

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That's why we're here, to make the home loan process a whole lot easier. With our tools and expertise we can help guide you along the way, starting with our FREE Pre-Approval Letter.

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Whether you’re a first-time home buyer or a seasoned investor we can help you choose the right loan program for your given needs.

 

Here’s how our home loan process works:

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  • Complete our simple Mortgage Application

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs

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Loan Options

Get Your FREE Pre-Approval Letter Today!

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We are an independent mortgage brokerage owned by a Hispanic Woman, with access to multiple Lenders and over 200 loan options to offer our clients. This gives us the ability to offer several options that most banks do not offer such as Bank Statement loans, ITIN loans, and One-Time Close Construction loans. We also have loan officers that speak Spanish fluently and we have a passion for helping the Latino community get into the home of their dreams.

SE HABLA ESPAÑOL

CONTACT INFO.
Office (833) 758-HOME (4663)
Fax # (479) 662-4214
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This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under any applicable law. Furthermore, Hummingbird Home Loans LLC represents itself and conducts business as a Residential Mortgage Broker.

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