We are a 100% referral based company with sole focus on our clients and their financing needs. We provide valuable financing solutions for not only our homeowner clients but for our business partner clients who include Real Estate Agents, CPA’s, Financial Advisors, Bankers, and Attorney’s. HB Capital has a combined 20 years’ experience in the mortgage banking and brokerage business. We have 60 different lending partners which include all major conventional, FHA, home equity & jumbo approved lenders as well as niche portfolio lenders with common sense underwriting. These relationships simply allow the client choice to secure the best product with the best rate and terms that fit each individual client’s needs. In today’s lending environment having a professional who knows the variables of each investor’s products is critical to a smooth and easy transaction. Whether you are a simple wage earner or have complicated tax returns, our knowledge and experience will simplify and alleviate any of the guess work. We are also well versed in the interest rate markets and we educate our clients on potential rate movements before they happen for the purpose of protecting their savings. Additionally, the value that we provide is that we are 100% independent to each lending partner working for you as your advocate between all processes and services of the transaction. Gone are the days of easy money and having this experience in your corner is essential to guiding you through the maze of getting the best financing for you and your family. We look forward to a fruitful long lasting relationship and invite you to contact us at any time.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154