About HomeFi
Why choose HomeFi?
Is HomeFi a lender?
Will HomeFi service my mortgage?
Does HomeFi offer mortgages in my state?
Loan Types and Products
What types of mortgages does HomeFi offer?
Do you offer loans for investment properties?
Do you offer FHA, VA, or USDA loans?
Do you offer construction or commercial loans?
Do you offer HELOCs or second mortgages?
Do you offer loans for the purchase of foreclosure or bank-owned properties?
Do you refinance homes that are held in LLCs?
Rates
How does HomeFi determine my mortgage rate?
Will I get the same rate I was quoted?
What is included in the monthly payment?
What are points and credits?
Loan Costs for Home Purchases
When will I need to pay these costs?
Which third-party fees will I be charged?
Which third-party fees does the seller pay?
Does HomeFi charge pre-payment penalties?
Loan Costs for Refinancing
Pre-Approval Letters
What is a pre-approval letter?
How do I get a pre-approval letter?
How long does it take to get a pre-approval letter?
How much does it cost to get a pre-approval letter?
Is a hard credit pull required to get a verified pre-approval letter?
Why would my verified income be different than my stated income?
Why would my verified assets that are used to determine my down payment be lower than expected?
Who can I contact if I have questions about my verified pre-approval letter?
Appraisals
What is an appraisal?
Why do I need an appraisal?
Can I use or transfer a recent appraisal?
I know an appraiser. Can he or she complete my appraisal report?
How long does an appraisal inspection take?
What is the difference between a home inspection and an appraisal?
How does the appraiser determine the value of my home?
If the appraised value of my home goes up, will this affect my taxes?
What does an appraisal report look like?
Which home improvements add value to a home?
The HomeFi Loan Process
Am I committing to HomeFi by getting pre-approved?
What do I need to do to lock my rate?
How quickly can I close my loan?
Do I need to have an escrow account?
Can I transfer my current escrow account?
Is my data secure?
Will I have a point of contact at HomeFi?
Credit Score
How does my credit score affect my mortgage?
How can I get my credit report?
What is a soft credit check?
What is a hard credit check?
What if I think my score is incorrect?
What if I don’t recognize a credit line that’s listed on my report?
How do multiple credit checks work?
How do you choose which credit score to use?
What if I’m applying with a co-borrower?
Is my credit score too low to apply?
Our Team

Bryan Stone
President / CEO
NMLS #173427

James Lopez
Chief Information / Technology Officer
NMLS #1805200

Patrick Waters
VP, Account Executive & Founding Member
NMLS #179749

Brandon Crye
Senior Loan Officer
NMLS #1929877

Barbara Pfeiffer-Marcum
Loan Officer
NMLS #2118598

Adam Congdon
Loan Officer
NMLS #2216926

Timothy Huggins
Loan Officer
NMLS #2351574

Laurin Wheelock
Loan Officer
NMLS #239928

Angie Wright
Loan Officer
NMLS #2411325

Andy Vogel
Loan Officer
NMLS #2337385

Brad Anderson
Loan Officer
NMLS #2381400

David Imler
Loan Officer
NMLS #1983336

Maritza Cano
Loan Officer
NMLS #2289927

Tim Adams
Loan Officer
NMLS #1444191

Sheri Napolitano
Senior Loan Processor

Sherry Powell
Senior Loan Processor