Your Journey to Homeownership Starts Here
We simplify the mortgage process, providing you with personalized solutions that make owning your dream home easier than ever.
Get pre-approved now, with no obligations!
Rated 4.9+ by Homeowners
By the Numbers
$500M+
In Loans Funded
10,000+
Homeowners Served
98%
Customer Satisfaction
Home Purchase Loans
Explore Fixed-Rate, Adjustable-Rate, FHA, VA, and USDA loans tailored to fit your needs.
Better Rates & Terms
Refinance to lower your rate, adjust terms, or access home equity with Rate-and-Term or Cash-Out options.
HELOC
We’re committed to providing competitive interest rates and a clear, honest mortgage process.
Fast Pre-Approval Process
Get pre-approved in minutes with our quick and easy online application.
Customized Mortgage Solutions
We offer a wide range of loan options, from FHA and VA to conventional and jumbo loans, tailored to your financial needs.
Competitive Rates, Transparent Process
We’re committed to providing competitive interest rates and a clear, honest mortgage process.
Dedicated Loan Experts
Our team of experienced loan officers provides personalized support to make your home financing journey smooth and successful.
Why Choose Horizon Home Loans?
With 20+ years of industry expertise and a client-first approach, we’re your trusted partner in home financing.
How It Works: A Simple, 3-Step Process
From application to closing, we make your mortgage experience straightforward and stress-free.
Step 1
Apply Online in Minutes
Fill out our easy online application to get pre-approved quickly. No paperwork, no hassle.
Step 2
Customized Mortgage Solutions
We offer a wide range of loan options, from FHA and VA to conventional and jumbo loans, tailored to your financial needs.
Step 3
Competitive Rates, Transparent Process
We’re committed to providing competitive interest rates and a clear, honest mortgage process.
"Horizon Home Loans made the process of buying my first home so easy. Their team was professional, friendly, and always available to answer my questions. I felt completely supported every step of the way."
Sarah L
“As a veteran, I was nervous about navigating the VA loan process, but the Horizon team made it so simple. They explained everything clearly and worked tirelessly to ensure I got the best rates. I’m now a proud homeowner!”
Maria G.
98%
Customer Satisfaction
“I was able to lower my monthly payments significantly thanks to Horizon. Their refinance specialist walked me through every detail and made the whole process smooth and stress-free. Highly recommend them!”
David M.
“Horizon Home Loans exceeded my expectations. From the moment I contacted them, they were on top of everything. They found the perfect loan option for me and kept me informed throughout. I couldn’t be happier with their service!”
Ethan W.
What Our Customers Are Saying
Real Stories from Happy Homeowners
Stay Informed with the Latest Home Loan Insights
From understanding loan options to boosting your credit score, our blog has everything you need to make informed decisions and achieve your homeownership goals.
4 mins to read
Uncovering the Roadblocks: Navigating Challenges as a First-Time Homebuyer
Embarking on the journey of homeownership is both exciting and daunting, especially for first-time homebuyers. Owning a home represents a...
3 mins to read
5 Common Missteps to Steer Clear of When Buying a Home in the New Year
Buying a home is one of the biggest decisions many people face. As we enter 2024, the real estate market offers both opportunities and...
We offer a variety of loans, including Fixed-Rate, Adjustable-Rate (ARM), FHA, VA, USDA, Jumbo Loans, Interest-Only Mortgages, and Refinancing options. We also provide Home Equity Lines of Credit (HELOCs) for accessing your home’s value.
Getting pre-approved is easy! You can apply online through our secure portal or connect with one of our loan specialists to guide you through the process. You’ll need to provide income verification, credit information, and other personal details to determine your eligibility.
The minimum down payment varies by loan type:
• Conventional Loans: As low as 3%
• FHA Loans: 3.5%
• VA Loans: 0% for eligible veterans and active-duty service members
• USDA Loans: 0% for qualified rural areas
• Jumbo Loans: Typically 10% or more
The approval process can vary, but it typically takes 30-45 days from application to closing. The timeline may be shorter for pre-approvals or straightforward applications.
Yes, you can still refinance with low equity. Options like FHA Streamline Refinancing or VA IRRRL (Interest Rate Reduction Refinance Loan) may be available. Contact our team to discuss the best refinancing solution for you.