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Your Local Mortgage Broker

A Home Loan Designed For You

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

Welcome to Home Lending Specialists, Inc.

The key to our success has been a combination of providing outstanding customer service at the lowest cost to the borrower. We take great pride in treating our borrowers with honesty and integrity.

We want to get to know, you so we can structure the perfect mortgage for you. Fill out your information in either the “Apply Now” or “Get Preapproved” buttons and we will get back to you.

We are proud to have helped so many people finance their homes and achieve the American Dream of homeownership. We look forward to helping your Dream come true.

Get Preapproved Request A Quote

Tell Us Your Story.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Step 1 of 20

5%

What are your goals?
We are committed to helping you reach them.
Purchase or Refinance
- I want to purchase
- I want to refinance

Where is the home located? City or Zip Code
City or Zip Code*

What type of home is it?
- Single Family
- Townhouse
- Condominium
- Multi-Family

Where are you in the home buying process?
- Signed a purchase contract
- Found a home
- Looking to buy within one month
- Looking to buy in 1 to 3 months
- Looking to buy in more than 3 months

How do you plan to use your new home?
- Primary Residence
- Vacation Property
- Investment Property

Have you or your spouse served in the US military?
Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.
- Yes
- No

What is your (or your spouse's) branch of military service?
- Army
- Marine Corps
- Navy
- Air Force
- Coast Guard
- National Guard
- Military Spouse
- Other VA Eligibility
- No Military Experience

Are you actively working with a real estate agent?
- Yes
- No

Is this your first time purchasing a home?
- Yes
- No

What is the approximate purchase price of the new property?
(it's OK to estimate)
What is the estimated value of your property?
Use the slider to select the price range of homes you're interested in (it's OK to estimate)

How much do you have for a down payment?
(it's OK to estimate)
What is the balance of your first mortgage?
(It's OK to estimate)

What is the interest rate of your first mortgage?
(It's OK to estimate)

Do you have a second mortgage?
- Yes
- No

How much additional cash do you wish to borrow?
(It's OK to estimate or if no cash-out leave at $0)

What is your current employment status?
- Employed
- Self-Employed/1099 Independent Contractor
- Retired

What is your household gross (before taxes) annual income?
- Less than $30,000
- $30,000 - $50,000
- $50,000 - $75,000
- $75,000 - $100,000
- Greater than $100,000

What is your credit score?
- Excellent 740+
- Good 700-739
- Average 660-699
- Fair 600-659
- Poor < 600

Have you had a bankruptcy or foreclosure in the past 3 years?
- Yes
- No

What is your first name?*
What is your last name?*

What is your email address?*
What is your phone number?*
Consent*
I agree to the Communications Policy.*
We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By submitting your phone number you are agreeing to opt-in to sms messaging. Message and data rates may apply.

Purchase Loan Options

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Refinance Loan Options

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Let's Learn!

Please check out our 27 educational articles we put together..

As an education based mortgage company we strive to provide helpful information.

Visit our learning center to learn some great tips about buying a home.

View Educational Articles

Shopping for a New Home

A Step-by-Step Guide to Shopping for a New Home

Whether this is your first or tenth home purchase, shopping for a new home is an exciting time. It can…

5Stars

Our clients are the foundation of our success.

3rd Party Client Reviews

Client reviews from around the internet.

May 2026 Mortgage Check-In: Evaluating the Benefits of Refinancing Before Rates Change

May 2026 Mortgage Check-In: Evaluating the Benefits of Refinancing Before Rates Change

Mortgage Refinance

Introduction As we step into May 2026, it’s an ideal time for homeowners to evaluate their current mortgage situation. With…

Tune Into Homeownership: How the Upcoming Kentucky Derby Can Teach First-Time Buyers About Racing to the Finish Line

Tune Into Homeownership: How the Upcoming Kentucky Derby Can Teach First-Time Buyers About Racing to the Finish Line

First Time Home Buyer

Introduction As we approach the excitement of the Kentucky Derby, there’s an interesting parallel between horse racing and the journey…

Blossoming into Homeownership: How Upcoming Community Events and Spring Gatherings Can Help You Find Your Dream Neighborhood

Blossoming into Homeownership: How Upcoming Community Events and Spring Gatherings Can Help You Find Your Dream Neighborhood

Introduction Spring is a season of renewal, and for many, it’s the perfect time to explore the possibility of homeownership.…

About Us

Home Lending Specialists, Inc. is a small intimate mortgage broker founded in 2022 by Chuck Sowers. Chuck has been in the mortgage business for over 25 years.

Company NMLS: 2418797

Equal Housing Opportunity

Contact Us

165 Sabal Palm Drive
Ste 105
Longwood, FL 32779
(815) 509-6024
Email Us Today

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The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.

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