If you’re a first-time home buyer, learning about the mortgage or refinance process can be stressful and overwhelming—there are a lot of confusing details throughout these processes that can be confusing. HMS Capital Funding offers a simple, streamlined process for applying for home loans. It’s our mission to help our clients better understand the home loan process before making life-altering decisions about their futures and financial legacies. There is a lot to consider along the way, and we’re here to help! Don’t let the intricacies of the loan process keep you from achieving your goals. Here’s how it works:

The Application Process

The process begins with a simple, straight-forward, online application. After including some basic information about yourself and your home, we get to work for you. If at any time you need help with the application, rest assured, we are always available to help.

Look into Your Options

Depending on your specific circumstances, HMS Capital Funding verifies your information and offers you specific options when it comes to what types of loans might be available to you. Once we have your initial application information, we can help you determine which options are best for your individual needs and conditions. You can also take full advantage of our online mortgage and refinance calculators to give you more accurate results.

Closing and Managing a Loan

Back in the day, mortgage paperwork was a hassle to access and navigate. Today, we offer all of our clients the luxury of online paperwork availability and access at any time. Once your loan is approved and you’re moving forward with the process, you have the ability to close and manage the details of your loan from anywhere, at your own convenience.

How We’re Different from Other Loan Companies

At HMS Capital Funding, we focus intently on the customer service we provide to our clients. Not only do we make ourselves available at any time for our clients, but we offer some of the most competitive loan rates. Furthermore, appraisals are included with most of our mortgage or refinance options. We make the process simple, easy, and time-effective.
Located in the heart of California, we are familiar with the high demand in the real estate market for loan companies that focus on helping clients make informed decisions.

HMS Capital Funding a dba of Golden Empire Mortgage, Inc. #2427; NMLS ID: #1887548, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.