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Why Choose Us?

Home Loan Zone is an independent mortgage brokerage company. That means we shop lending sources and loan programs through multiple lenders to find the best rates for our clients.

As an independent broker, we don’t have the high costs normally associated with larger banks, which means savings for our clients in the form of better rates and lower closing costs.

We work with many investors, allowing us to offer the best rates on all types of loans and loan programs.

What's Your Home Worth?


Nicola is awesome--from preapproval to closing, her passion, care for clients, communication, creativity and more is a bright shining star!
Hope E.
Nicola is a top notch mortgage professional in my book. If you want someone who under promises and over delivers call Nicola!
Ashley P.
Jessica totally rocked the loan process for us! From initial qualification, processing, equity analysis … to the closing. She made it all work for us; easy, clear and with a result that got us where we wanted to be for our renovation. Thank you, Jessica!
Chuck D.
Yes!!!! Kamille Burris gets it done! Answers the phone even when it's not convenient ☑️ Knows how to connect clients with the correct loan products ☑️ Educates the client and the agent ☑️ So many soft skills Kami possess 😁 Thank you Home Loan Zone for pouring in to your staff. It shows!
Jason J.
She is determined, organized, and experienced lady. She gets all the necessary documents ahead of time. She is always ahead of her schedule. She cooperates with her clients and meet their demands. I am so glad to work with her on my loan process. Closing costs were lower than expected. I recommend her to any new house purchaser.
One lender that I can honestly say goes above and beyond the call of duty with each and every client! Nicola is very hands on and you will feel the connection on day 1!
April L.
Jessica and her team were so wonderful to work with! This was a very easy refinance process and she had great attention to detail and a very quick response time for each request or question. Highly recommend.
Couldn't have been more blessed with Nicola, she is absolutely the best there is in this field. Put your home future in her hands and she will deliver!
Lindsey H.
Nicola is amazing! We contacted her from the start to see how interest rates were and to help us figure out how much we would be comfortable spending. Late night texts and phone calls, she was so available and personable. I'm thankful to have her a phone call away throughout our process. Highly recommended Home Loan Zone!
Stephanie C.
I was very fortunate to have been referred to Nicola..... And since then I have discovered the value she brings to the relationship with my buyers. We have all been very happy with her expertise, knowledge, and the great service she provides us in updating throughout the transaction. Anytime I have a choice in the lender with my clients..... I will always choose Nicola......
Susan L.
Jessica was GREAT to work with! She made the process easy, straightforward, and quick. She answered all of our questions and made sure we knew what to expect. I truly felt like she had our best interests in mind. I highly recommend working with Jessica!!
E. Leftwich
Nicola McCloskey is a top notch mortgage broker! She has helped me twice, once when purchasing my home, and another time as I helped a friend purchase her home. Any time anyone asks me if I know a good lender, she's the first that springs to mind. Nicola always keeps you updated every step of the way, and makes the process easy to understand.
Tim D.
'm so grateful to have been introduced to Nicola, Owner of Home Loan Zone almost a year ago. As a Realtor it's great to have a name you can trust to share with your clients! She works fast and professional and certainly wherever she can! I recommend her & Home Loan Zone to anyone seeking to buy!
Shaunda H.
When my husband and I decided we were ready to move to a bigger house in 2016, our realtor recommended Nicola McCloskey with Home Loan Zone. I'm so glad she did because we could not have asked for a better lender to work with. My husband had bought a house before, but this was all brand new to me. Nicola went above and beyond my expectations. She was always available to answer my never ending questions! She did at least 10 different work ups for us when we were trying to decide on a down payment and monthly mortgage. She made the whole process so easy for us! I highly recommend Home Loan Zone, and would refer anyone to Nicola McCloskey. We closed on time, got an excellent interest rate, and it was all within our budget! We are highly satisfied!
Marianne W.


Finding out how much you can afford is the most important step to buying a home. Establishing your purchase power upfront, including how much money will be required for a down payment and closings costs, will help you make the right decision on which house is right for you!

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow also will depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first-time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally, the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Home Loan Zone can help you evaluate your choices to make the most appropriate decision.

For most homeowners, the monthly mortgage payments are made up of three separate parts:

  • Principal: Repayment on the amount borrowed.
  • Interest: Payment to the lender for the amount borrowed.
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to your county tax assessor and property insurance company.

The amount of cash needed depends on a number of factors. Generally speaking, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house.
  • Down Payment: A percentage of the cost of the home that is due at settlement.
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house.
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