Hometown Equity Mortgage was established with the mission to provide the highest level of customer service while providing a wide array of products including FHA, VA, USDA, Conventional and NON-QM loan options. Company. Work with us today!

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OUR PRODUCTS

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ABOUT US

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  • Our Mission

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    Honey Manderville is disrupting the world of mortgage banking and taking the lead as President of HTEM. With over three decades of extensive experience, she has created a business that is built on the foundation of leadership, character, and service. For some, these are just buzz words, but not for Honey. Throughout her extensive career, she has gained valuable experience. She enjoys the highest respect for results for her clients and customers alike. Honey is a native of Southern California, born and raised in a proud, hard-working family. She learned the value of service, hard work, and strong character. She immediately found success and continued to take on roles which built her skills for the future. With each new role, she took on higher levels of responsibility and challenges. Honey is raising the standards for excellence in a highly competitive industry where she sets herself apart as one of the few women in a male-dominated industry. Honey enjoys sharing precious moments with her husband, three children, and five grandchildren.

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  • Our Executives

    Honey Manderville is disrupting the world of mortgage banking and taking the lead as President of HTEM. With over three decades of extensive experience, she has created a business that is built on the foundation of leadership, character, and service. For some, these are just buzz words, but not for Honey. Throughout her extensive career, she has gained valuable experience. She enjoys the highest respect for results for her clients and customers alike. Honey is a native of Southern California, born and raised in a proud, hard-working family. She learned the value of service, hard work, and strong character. She immediately found success and continued to take on roles which built her skills for the future. With each new role, she took on higher levels of responsibility and challenges. Honey is raising the standards for excellence in a highly competitive industry where she sets herself apart as one of the few women in a male-dominated industry. Honey enjoys sharing precious moments with her husband, three children, and five grandchildren.

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  • Our Company

    Honey Manderville is disrupting the world of mortgage banking and taking the lead as President of HTEM. With over three decades of extensive experience, she has created a business that is built on the foundation of leadership, character, and service. For some, these are just buzz words, but not for Honey. Throughout her extensive career, she has gained valuable experience. She enjoys the highest respect for results for her clients and customers alike. Honey is a native of Southern California, born and raised in a proud, hard-working family. She learned the value of service, hard work, and strong character. She immediately found success and continued to take on roles which built her skills for the future. With each new role, she took on higher levels of responsibility and challenges. Honey is raising the standards for excellence in a highly competitive industry where she sets herself apart as one of the few women in a male-dominated industry. Honey enjoys sharing precious moments with her husband, three children, and five grandchildren.

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Products

FHA

  • Minimum credit score:
    • 550 AUS approved,
    • 580 manual
  • Non-Credit Qualifying Streamline refinances allowed
  • Gift funds allowed for down payment and closing costs
  • Cash out 80% LTV

VA

  • Minimum credit score:
    • 550 AUS approved,
    • 620 manual
  • Cash-out up to 90% LTV
  • Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval

USDA

  • Minimum credit score: 620
  • 100% maximum LTV
  • No maximum loan amount
  • Rate/Term refinances allowed

Conventional

  • 620 min score
  • Fannie Mae
  • Freddie Mac
  • Standard and High Balance.
  • Home Ready
  • Home Possible

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