While Home Savings of America may seem like the new kid on the block in some areas, rest assured we're not. In our 75-year history, we've created a niche in banking. We provide good, straight forward products that fit any stage of life. To develop and retain long-term relationships with its customers, Home Savings emphasizes high-quality, personal customer service, characterized by courtesy, efficiency, accuracy, and the ability to understand and respond to individual needs.
We've carved a secure spot in the mortgage industry, too. Even in these turbulent times, Home Savings is continuing to offer a variety of mortgage products and highly competitive rates, to fit most every need. We've developed specialized services to assist you with some of the challenges within our current market.
We recognize the market has become fast paced due to high demand and low inventory levels. For this reason, Concord's Mortgage division has developed quality service standards that guarantees Realtor's same day pre-approvals. We are confident with all our guarantees and offer a cash back bonus if the transaction does not close within the escrow period.
Ultimately, we've decided to bring the quality of service back to the market and guarantee:
1. Same day pre-approval and a quick approval process to meet your closing date
2. Personalized service for your client and you
3. In-house processing, underwriting and appraisal
4. Wide variety of mortgage options
We are active within our community and look forward to doing business with you. Our application is available online at www.HSOAonline.com.
Home Savings of America offers a variety of loan products that are customized to meet the needs of each borrower. We offer services through our retail branches across the country as well as through our vast network of quality mortgage brokers. In both cases, the customer will receive the same exceptional service by our caring mortgage professionals.
Home Savings offers:
1. Conforming Fixed Rate and Intermediate ARMs
2. Non Conforming Fixed Rate and Intermediate ARMs
3. Portfolio ARM products
4. Low-moderate income products
Home Savings of America has over 70-years experience in providing loans to our customers. Our experience and longevity assures our borrowers that we will continue to be here for them as their needs change. We want to be YOUR lender, now and in the future. Your lender. Our privilege.
In addition to our standard loan programs, you may benefit by obtaining one of our many special programs:
1. Purchase your home with no down payment using Private Mortgage Insurance (PMI) or Lender-paid Mortgage Insurance (MI).
2. Piggyback loans: 80-10-10 or 80-15-5. Avoid PMI payments by using Lender-paid MI.
3. Debt consolidation programs
4. Home Improvement Loans
5. One may qualify even if they've been turned down before!
Home Savings of America is a federally chartered stock savings and loan association, wholly owned by Home Savings Bancorp. We've been in the banking business since 1934.