About HCT Bank

To access our team of mortgage loan specialists, go to our Contact page. We can then provide you with a mortgage evaluation that best fits your situation. With many financial institutions across the nation, and interest rates changing daily, it is difficult for the average borrower to locate the right lender. When working with us, we match the details in your application to our portfolios of lenders. Then we stay with you, until you have the loan SSD (Signed, Sealed and Delivered). Which is much less of a hassle then trying to shop the banks yourself. Let us do the work for you!!

We have strategic aligned with Most Major Banks in the USA. There are also a large number of mortgage lenders. These are non-bank "investor pools" that fund loans. Each lender has specific criteria for a "borrower profile." They all have money that they want to lend to somebody. You could be that somebody!!

You can shop around yourself. To be fair you would have to get all the quotes on the same day. In fact when the Stock market has a volatile session, rates can change during the day, so to compare "Apples with Apples", you would need to locate all the lenders who would be willing to lend you money within the 4 hour morning or 4 hour afternoon period. Only then would you be making a true comparison...and that comparison only lasts until the next overall rate change...which is often the next morning.

We take this almost impossible task and find you the four best-for-your-financial-profile lenders. So let us do the find-a-mortgage search for you. We can locate:

1. Conventional (80%)
2. FHA guaranteed (97%)
3. RHS (first time homebuyers 100%)
4. All non-conforming loans.

(Non-conforming means that borrower "ratios" do not conform to Fannie Mae guidelines.) This includes 100% non-conforming loans

Most lenders also have mortgage loans for second homes, for investors and for foreign nationals wishing to purchase homes in the United States.

The service is tremendous. Applying "Online" gets you the information you need to put in the offer for that home you want! If you do not want quotes, e-mail us what you want to accomplish and we will get back to you.