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WELCOME TO HPFS, INC.
MORTGAGE DIVISION!
Whether you are looking to purchase, refinance or use the equality as a line
of credit, our Mortgage Division will find the results that fit your overall
financial picture. We don’t ‘sell’ you a mortgage; we incorporate your entire
financial picture to better create a secure future for you.
Home ownership extends to you certain advantages:
Invest
in yourself: Real estate has a
history of increasing in value, thus making ownership a solid investment.
Lower
your cost of living: Renting can start out
being "affordable" but each year you can see an increase in the
rent due to the inflation rates. A rent can increase by 4% (or more) per
year, causing your dollar to shrink. Although the cost of owning a home may
increase in time, your monthly payments will stay the same with a fixed-rate mortgage.
Reduce
your tax burden: Homeowners are usually
entitled to certain tax deductions. These deductions are based on the
mortgage interest paid and are generally allowed every year. In many states,
loan purchase ‘points’ and property taxes can be deducted the year that they
are paid.
Provide
a source of credit: As you build equity in
your home (the value of the home as weighed against the balance of the
mortgage) it becomes an asset that you can use for a new or used vehicle,
education, dream vacation, remodeling, or what ever the need may be. A HELOC
(Home Equity Line Of Credit) allows you to put the equity in your home to
work for you.
Consolidate
your debts: If mortgage rates drop or if bills get out of control, you can
lower your mortgage or eliminate bills by refinancing your mortgage. The
money that you save can also go towards a retirement plan!
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 First
Time Buying A Home!
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We can assist
you in purchasing your first home. Our programs for First Time Home Buyers
can help you save money and to make the right decisions.
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Purchase a Home
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Let HPFS
assist you in buying a home. We can recommend Real Estate Agents,
Appraisers, Home Inspectors, and assist you through the mortgage process.
Following is some suggestions:
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Refinance Your Home
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Is
refinancing the right thing to do? Not always! The HPFS team will go over
all of the questions and answers needed to identify if indeed it would be
the right thing for you to do. Your overall financial situation and dreams
make up the ‘big picture’. Is your current interest rate too high because
of what your credit standing was back then? Have the rates changed overall
enough that you really should take advantage of the current rates? Let us
help you to put together the financial pattern that fits you and your
dollars!
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