SEE WHY OUR PARTNERS ARE SAYING THAT OUR
NET BRANCH OPPORTUNITY IS THEIR BEST CHOICE!

"I have been an independent mortgage broker since before the boom in 2002.. Conventional loans w/ option arms, 100% LTV w/ 560 scores and No Ratio, No doc, option arms etc.. Well, those days are gone and now it’s all about changing the business model, to adapt to the new landscape from the fallout of the knee jerk re-action, to resolving the careless programs and underwriting standards that were allowed. As an independent broker, I would not have survived and I consider myself a professional. And as a professional, I knew that I now needed to be aligned with a company that has the same understanding in the lending arena that I have and with what has made me successful.
I started with a net branch company in Orlando in Feb 2010 and it took only 7 weeks before I knew I made a bad choice in that company. Then I found a company in Alabama called Hometown Lenders. Their vision is the same as mine. Offer great service, on time results and allow you to continue to do with what made you successful, be a mortgage broker, not an employee that is micro-managed. The Team leaders, the VP of the company, the payroll dept and compliance all have very streamlined simple processes to help you get your loans closed, cleared compliance and get checks out to the brokers in a timely manner. I am very happy and look forward to continue this relationship further into the recovery period on our industry. I would recommend southern Hospitality anytime you need to trust someone with your business model."
- Scott P.

"When I first joined Hometown Lenders I was nervous to work under a large corporation. I have never worked with a company that had more than 10 employees at one time. I had heard many horror stories from people who work in large companies but I had a feeling this company might be different. I was right I have no regrets on joining HomeTown Lenders team. Even though there are hundreds of employees I still get the small company treatment. Everyone has been polite, fast and knowledgeable to responding to my questions, they are always very happy to help. The transition process from my old company to HomeTown was super easy and fast, thanks to the staff at HomeTown. Especially Chris, he is amazing!! I look forward to many years with Hometown Lenders. I am here to stay. Thank you!"
- Danielle C.

"The best thing I can tell you about the Hometown Lenders net branch program is that if they tell you something - it is the truth. I have been with countless companies through the years that will tell you anything to get you sending loans to them but the promises never come to fruition. I was told I would be paid on Fridays and each Friday I can walk in and see my money is already there. My account manager is always there to help and has more often than not, come up with an excellent solution to a loan. I am happier with Hometown than with any other company I have had. It feels more like family."
- Stephanie T.

"I just want to take a moment and say thank you. After sitting in on the webinar this morning and the webinar earlier this week, I can see that Hometown is rolling with the many changes that we are facing in this industry. I especially appreciate the changes to closed file procedures. From the call it seems that the new system will provide clarity and more communication about the file uploads. It will also allow us to pay somebody else to do it when we don't have the time. Becoming a correspondent lender is the only way that we can survive the financial changes. It's much harder to get loans closed today. So at least we can be adequately compensated for our efforts. I do appreciate your efforts. I just wanted to share that sentiment."
- Gale B.

"Chris - Thank you for all you did for the Rose loan. I really do appreciate it. This is the first company I have worked for that the corporate office don't mind helping us out. That means alot to us at this branch."
- Sabrina K.

"Thanks for all your help. I was with Allied Home Mortgage prior to HTL. What a difference. You guys are great. One of the best moves I ever made was getting in touch with Eric earlier this year!"
- Tom M.

"As a new branch manager with Hometown Lenders I must say that I feel like I have been a part of the Hometown Lenders family for years, but it has only been a couple of months. I was given a very personal interview to decide if I was the right match for the company which is essential to Hometown Lenders growth. In a very short period of time I was also contacted by the rest of the Hometown family to provide me with the contacts and information I needed to make my transition as smooth as possible. The Hometown lenders family has been precise and helpful, they are a growing company with a personal touch. When faced with several loan challenges that often comes with our mortgage industry, I felt there was a system and individuals in place that was willing and able to help me find a solution. What a great feeling!"
- Christopher S.

"I have been very impressed so far with the professionalism and efficiency of all your staff. They are all very helpful and responsive with time sensitive issues. I am very satisfied with the decision I made to join your company. As a matter of fact, just last week an old associate called to see if I wanted to join another net branch company with her and I politely told her I was not interested in the least. Thanks for continuing to seek improvement as our industry changes. You guys are doing a great job!"
- Darren K.

"I made a great decision when I decided to choose HomeTown Lenders to partner with. They have made me feel like part of their family. Going above and beyond what a typical "net branch" provides by delivering on service and satisfaction. They truly want you to succeed and will do almost anything to help you accomplish your dreams. I am fully pleased with HomeTown and recommend them to anyone looking for a "net branch" to work with, not work for."
- Pamela L.

My experience with the entire Hometown net branch team has exceeded every expectation. As a previous executive of a large financial institution with over 26 branches and holding a high level executive position at a bank funding over 1 billion a year in loan Volume; Hometown has been the perfect fit for me. I wanted to keep my network and past clients. I DID NOT want to spend time with all the headaches. The administration, payroll, accounting, lender relations , processing, and executive team at Hometown can and will handle everything. They are honest, diligent, ethical people. This partnership will allow me to do what I do best. Service Clients, build teams, and expand business. They do the rest!
- Craig M.

My experience with Hometown Lenders net branch, has been truly wonderful! The staff in Huntsville, is very attentive, and helpful! It is nice working for a Christian Based, company. Eric Tishaw, is a great asset to the company, as well as Chris Fiorello. Scott, and I have truly been blessed to become part of the Hometown Team! Within two months of having of joining Hometown Lenders, we have been nominated for “Spotlight Branch Partner of The Month”. I would recommend, Hometown Lenders, to all my clients, and fellow loan officers, interested in a stable, up and coming company!
- Lisa Ann S.

"My experience so far with Hometown Lenders have been great! I spent many hours searching for the right company to join and become a part of an organization where I can utilize my skills and feel at home, and Hometown Lenders have met, if not exceeded my expectations. The team at Hometown Lenders are willing to go beyond their duty to make sure we have the necessary tools to be productive and be profitable even in these tough economic times. Again, the support and the ease of transition of joining Hometown has been very stress free due to the great team and support I have received. I hope to continue my success with Hometown Lenders for many years to come."
- Dae Y.

“Hey Eric just wanted to let you know how everything is going since we came aboard.When we first contacted Eric he set up a meet at our ofc within 4 days and came out and went over everything in person which I like also he answered any questions we had.It has been 4 months since and all the things Eric told us was true NO LIES imagine that in todays world.We really appreciate all the help and support at the home office and one of the best people we have had help from on numerous occasions was Chris Fiorello if this is not correct spelling im sorry Chris. He has answered and walked us thru all of our Questions the good and the stupid ones.When I read the testimonials on line before we came aboard I figured there were doctored up a little like most of the other places but now that I have been here for almost 4 months I realize that everyone at Hometown will help you any way they can this experience has not been hard other than learning how they do things and the monthly webinar that tells which lender is hot or not and how to market more effective is AWESOME well thats about it I really appreciate you guys and thanks a lot!”
- Mike H.

"My experience with Hometown Lenders has been very good so far. There is a wide variety of investors to choose from and an investor list which details the products they provide and guidelines . There are also many training webinars to update us on the many changes in todays mortgage market. I have to say that Chris Fiorello is the most patient person I have ever had the privilege of working with. When calling Matthew on IT issues he has been very responsive. I highly recommend Hometown Lenders to anyone looking for a net branch opportunity."
- Jeanne W.

“When I first began to look at teaming with another company I had just about decided to go with a company out of Birmingham. After meeting with Eric I knew that this is where I belonged. The professionalism, the care, the values and support that everyone displayed has been great. Even though you know that they are busy, they take the time to help. I know that as a company grows there are always challenges. If there were no challenges there would be no growth! Thanks to you all who work behind the scene to make a Great Company!”
- Kay G.

"Nothing better to describe Hometown Lenders than its motto “doing business the Hometown way”. A relaxed and friendly working atmosphere where ethics and hard work is a must, but is never enforced with pressured, but with understanding. The flexibility that exists on its business structure makes it easy to be compatible with its different branch managers/business partners. After an intense search we finally found a perfect match that is helping us make our business more profitable."
- Felipe C.

"When I was contemplating joining my company with a bigger company, I researched a dozen or more companies all over the US over a three month period and never was real comfortable with any of them until one day while on the internet, I ran up on Hometown Lenders, LLC. My goal was to find someone that specialized in the southeast region. After talking to Eric, I felt like this was my fit so after much thought and prayer, I decided to submit my application paperwork. The transition has been very smooth and everyone has gone above and beyond the call of duty to help me and to insure a smooth transaction. Everyone has treated me like a Hometown family member from the beginning. I feel that with much prayer that God has guided me to Hometown Lenders."
- Charles J.

"Eric, I cannot begin to tell you how incredible it is to work for Hometown... I have nothing but positive things to say.... You have given me the opportunity to make money and have always been very fair with me in my transactions and I have learned so much, and all the investors we sell to have been very helpful to me and my staff. I am still learning every day something new and you must remember I have been in the business a long time, I like the fact that you allow us to send our loans to who ever we will the most comfortable with doing business with and do not question our decisions. I look forward to a very long and profitable future for all of us."
- Rebecca S.

"As we are ending 2008, my team has officially been with Hometown Lenders for over 6 months. During this time we have become accustomed to the "Hometown" way of doing business.
That said, we are thrilled with our new home, in particular the autonomy that we have to run our branch in the most efficient way possible to be successful."

"As a branch manager, I love the fact that the infrastructure for our team is already setup, so we can focus on lead generation and past client retention. This has significantly benefited our bottom line and has made our branch successful. Especially with the changing landscape of the mortgage industry and in particular the need to adapt to an ever changing market."

"I sincerely believe the Hometown branch opportunity is by far one of the best available today. After researching other opportunities for over 2 months I know without a doubt now we were fortunate to get an opportunity to be a part of your team. We look forward to continuing to work closely with Hometown Lenders and to a VERY productive first quarter in 2009!"
- Al M.

"I've been very pleased with Hometown Lenders. Their systems have allowed me to concentrate on the profit creating aspects of my business rather than focusing on the administrative stuff. They have helped me carve out my niche by being flexible enough to add the lenders I needed to do so. They have helped me with licensing and compliance and have always been responsive when I had questions. All in all I highly recommend Hometown to anyone looking at a net branch."
- Jonathan B.

"It has been very good working with HomeTown Lenders so far. The number and qualify of investors is very impressive. It is always good to know that as a broker, you are able to serve a wide and varied group of clients and that is in part due to the investors that are currently on board with HTL. Management’s response to email or phone messages is outstanding. Everyone that I have spoken to either from corporate or a branch has been great. HTL feels like family and I hope that we do not lose that edge as we grow! HTL is a very forward thinking and forward moving company. See you at the top!"
- Jennifer F.

"I like the support. Its more like working with friends than a corporation."
- Tom Z.

"Before I found a "home" with HomeTown, I had seriously considered getting out of this business. I had only been in the business for 2 years, but I came in when "subprime" was booming. I was not even aware of some of the programs that the industry was allowing, but when the guidelines tightened up, I was afraid that I would not be able to close the type of loans that I was use to closing. Once I found HomeTown, I just had to re-adjust and learn how to originate in a different way, and now I am closing loans again, and I love what I do. HomeTown is a wonderful company and having the type of support that HomeTown gives, is icing on the cake. I am VERY happy the be a part of the HomeTown team. THANKS!!!"
 - Del W.

"I would like to take the time to share my positive experience with Hometown Lenders. I have been with the company for less than 30 days but in that short time I am convinced that Hometown Lenders is the best mortgage company I have worked for in my mortgage career. I have originated loans since 1989 and I have worked for banks, mortgage bankers, mortgage brokers, and net branches. I have worked in construction lending, A&D lending, residential mortgage lending, and dispute resolution, so I have a broad mix of real estate lending experience. Hometown is the best mortgage company in my opinion." "The support in the IT department is excellent. The branch support department is prompt and accurate. Hometown is open to sign up with investors that get loans closed. I believe a mortgage consultant can grow his or her business to the level that is comfortable and I also believe that Hometown Lenders has positioned the company to survive the real estate melt down in America." "With the support that Hometown provides, I am confident that I will expand my base and continue to build my business."
- Earl M.

"HomeTown Lenders has been great! Anything I have needed the staff has helped me within minutes. If they did not know the answer they got back to me within the hour. I have asked a lot of questions within the first few days of being setup and everything has been taken care of. I could not ask for more. Now I just need to return the favor and get HomeTown some loans."
- Justin H.

"Everything with Hometown Lenders has been more than pleasurable. You and your staff have been more than efficient, informative, prompt and friendly. Me and Jeff and Jim have felt a great amount of support, and we feel it has been a great relationship so far. We look foward to continuing to work with you."
- Debbie B.

"My experience with Hometown Lenders has been a good one. What i mean is that when ever we needed anything we could always pick up the phone and someone would try and help us. Customer Service was great. I feel as though when new products or new guidelines or any type of marketing tool that would help us grow we were and are very well informed. Overall i am very satisified with Hometown lenders and excited about growing with Hometown Lenders."
- Jeff B.

"After working for large mortgage banking companies my entire time in the mortgage industry, 17 years, I was very pleased to learn that Hometown Lenders had in place many of the things you come to expect from much larger corporations. Specifically, technical support, benefits availability, scenario assistance, accounting. All these things made the transition into Hometown Lenders easier than expected. The attitude of all the people I have encountered so far during these first few months with Hometown has been exceptional as well. Everyone has been willing to try to assist as much as they can and always in an upbeat manner."

"In an environment like we have today this says a great deal about the style of leadership in place, all positive. The transition into Hometown Lenders has been a positive experience across the board. The ability to earn more on the loans I originate in these difficult times was my goal and Hometown has provided the tools to do just that. Now, I just need more business!!"
- Dirk H.

"I was speaking yesterday with an AE that is very close to the company. We knew many of the same people throughout the industry and she was curious how we ended up with Hometown Lenders."

"We interviewed several net branch opportunities. We contacted AE's that work with each company as well as some of the branch managers. The feedback on our questions regarding honesty and integrity, Hometown was the winner hands down. Once that decision was made, you were the only person we spoke with that was interested in understanding our operation and even more importantly, wanted to get to know us personally before you could determine how we would fit. That assured us that we were not just a $ sign, but were going to be part of something that was bigger."

"Once on board, everything happened exactly as discussed. No surprises.
Systems work, payroll is handled timely, and the welcome we received was refreshing. We are now acclimated and past the "honeymoon" stage."

"Everything is still as discussed. Help is always given when asked, and we are very happy with the partnership."
- Mike W. 

"I became a net branch for Hometown Lenders in August, 2008. I had previous experience as a Branch Manager for (name removed) Mortgage and was currently a (name removed) Mortgage Funding net branch when I made the move to Hometown. A major reason I made the decision to become a Hometown branch was your response to my inquiry. You offered to fly to Florida and meet with me and discuss Hometown’s program and how that program might fit my needs. This is in contrast to other companies I had investigated. One of them is headquartered within 100 miles of my location and they did not want me to go to their office or to meet with me. That was more telling than any program they offered."

"On the surface Hometown’s program may seem more expensive than some others. The “flat-fee” companies appear to let the branch keep more of the income. With Hometown’s program I pay 10% of the yield/orig and $500. On a $100,000 conforming loan where I make 1.5 points it costs me $650 compared to $495 with the flat-fee companies. So the question would be what do I get for $150? I have the latest version of Point free for all of my LO’s, I get excellent tech support, I get product knowledge support about where to send a file, and I get a wide range of companies that are constantly updated with products I need."

"In truth, with the flat-fee companies you get what you pay for. In most cases there is no support, no compliance help and “nickel and dime” charges for everything. When I was a (name removed) branch I was hit with a $50/month/employee accounting fee, whether or not the employee had any income. I was hit with a $45/month/employee software fee. It is important to note that both of these fees were added unilaterally by the home office after we had a signed contract specifying the fees. I had no say in what fees they could decide to add."

"I am very happy with the support, programs and reputation of Hometown Lenders. I have been in the mortgage industry for over 20 years and feel I have found my “home.” 
- Michael R.

"Hometown Lenders has opened up my ability to provide FHA loans that otherwise I might not have. Making the change to Hometown was a big deal for me and I can say I it was an excellent move for me. I recieve the necessary support when I am in doubt about how to handle something. I always recieve a return call from everyone when I need it. I am updated when we have a new investor come on board. I recieved a welcome call from many of the corporate people such as Ted, Matthew, and Bill Taylor."

"My experience with Hometown has been positive from the beginning and remains that way. I looked at several opportunities when considering making a change in the summer and I am glad I chose Hometown."
- Don C.

"I have only closed 1 loan so far with the company and was out of the country when it closed. Chris out of Huntsville has been very helpful and I am pleased with his support to this point."

"PS. The IT dept has been great, Luke and Matt."
- Bob A.

"My experience with HTL thus far has been a very positive one. Everybody that I have talked with has been very friendly and helpful. Chris Fiorello, especially has responded quickly on every issue that has come up and always returns my phone calls promptly. I have received all of the information as promised."

"On a scale of one to ten, I would give HTL a nine. I don't think you could have done much better than you have. At this point, I am very pleased. If you have any questions, please call me."
- Tim W.

"Initially, I felt that I had to check out everything thoroughly as I had no clue who you guys were or how you handled business so was very cautious. But you have done exactly what you said you would do."

"Everyone at HomeTown Lenders has been helpful and polite. And, the thorough documentation is excellent. Your Intranet is really good - great information and great flyers. My "challenge" has been on my end - to know if I am doing what I should be doing - or not doing?? I had not been in this position before. There had always been someone looking over my shoulder."

"I think the biggest thing has been all the changes in the industry - and there is no way anyone could foresee what all has happened and is still going on. My market here is a much different scenario than most anywhere in the country and has always been a challenge but with the current happenings it is extremely trying. I have had to take a couple of steps back and rework things. But, rating my experience with HomeTown on a scale of 1-5 with 5 being the best - compared to my experiences with the other companies I have been with - I would give you guys a 4.5!!"
- Carol N.

"Everyone I have spoken with has been very professional, knowledgeable, and helpful. The transition has been fairly smooth."

"I like having a processor dedicated for my FHA loans since I somewhat lack experience with FHA loans. I would like to explore more into USDA loans. I feel very comfortable working with the team at Hometown Lenders LLC and look forward to a good year in 2009."
- Jim F.

"The transition to HomeTown Lenders was one of the most smoothest and welcoming. Being a loan processor, I have had nothing but a positive experience from closing department to payroll. I appreciate all the assistance and all of the tools provided to make our work more efficient. I can say I have never been any happier with any other employer I have ever worked for."
- Crystal H.

"I actually just finished bragging about Hometown Lenders and how easy everything has been, not only in the transition period, but also the closings and pay schedule."

"Everyone that I have been able to talk to in this company has been helpful and happy. It is nice to know that the good attitude and helpful personality that I stress my employees to have is also shared by the other employees of Hometown Lenders."

"My experience thus far has been excellent and, well, there really isn't anything negative to say! I have so many AE's even that would definitely call on Hometown for employment should the wholesale side take a bad turn on them."

"Kudo's to Hometown! :) "
- Tyler C.

"I am grateful for the opportunity to speak of Hometown Lenders. I have found them to be helpful as well as patient. Making this change has been difficult. I didn't want this to be just "another change". The mortgage business has gone through some truly awful phases over the last couple of years. I need stability and a company who will work with me not against me. HomeTown is that company."
- Bob W.

“The freedom of managing my own business was the main thing that attracted me to a net branch structure with HomeTown Lenders. I have been with HTL for six years now and have been very happy. The strength and integrity of ownership is unparalleled.”
- Tommy D.

"I did my due diligence on all the "Branch Programs" available in the market. After all that "hassle" I knew without a doubt that the Hometown program was by far the best!"

"Me and my team aren't going anywhere. Thanks Eric!"
- Alvaro M.

“One of the strongest reasons I joined HomeTown was the ability to leverage the strength of HTL’s production with its lenders. I like starting out as a preferred broker without having to produce the necessary volume on my own. As a former account executive, I absolutely realize the value of that designation. Also, I like having my autonomy and yet having support. I am a little spoiled! :)
- Pam W.

“I wanted to deal with a company that had a track record. I didn’t want to put my pipeline in the hands of someone who ‘hoped’ it would work. Also, the money was important. Not only did I want to earn a bigger split, but I wanted the ability to earn more. Managing my own company would require me to dedicate time and energy to payroll, taxes, insurance, etc. So I looked for a company that paid me the way I wanted to be paid, and at a much higher commission than I could obtain as an individual loan officer, and one that offered me the most benefits.”
– Conrad T. 

“The most important reason I wanted my own net branch was so that it would enable me to concentrate on originating and closing loans.”
- Patrick E.

"People view and respond to change in many different ways. For some, it is to be dreaded at all cost, so much so that they tend to stay where they are even though they realize that they will be limited in achieving their goals. For others, it is viewed as a necessary step to reach the next level of performance or experience. The expectation is sufficient to facilitate whatever changes that need to take place."

"I fall into the latter category. What really helped me was that Heath at first and ultimately Eric realized where I was. They presented their help in this transition in stages that was comfortable for me. Eric has never tired of my questions, some of which were repeats a second and third time around. The whole team has provided answers to my questions. On occasions when Eric was not available, other people including managers and even loan officers, took time to respond."

"I am not completely finished with this transition but I can see the light at the end of the tunnel and it is NOT a train! Their assistance has consisted of phone calls, faxes, emails and even a visit to my office site. I have listened to others over the years who have moved from one mortgage company to another and none of them can share a better testimony than my relationship with Hometown Lenders. I am one happy camper." :)
- Bob F.

"I have been affiliated with Hometown Lenders since July 2008 as a net branch. In that time I have found the support from the home office to be top notch. They are consistently adding new lenders to provide branches with the most opportunities. The tech support is excellent and product/lender/process questions are addressed quickly."

"Perhaps the most important benefit is getting paid. There are branch systems out there who advertise "keep 100% of what you earn" and other come ons. Upfront Hometown may seem "more expensive" but in reality turns out to be more competitive. Knowing the costs upfront and that they do not change is great. I have been affiliated with other net branch systems and I was continuously "nickel and dimed" after biting on the "flat fee" concept. With Hometown there have been no surprises."

"I look forward to a continuing profitable relationship with Hometown Lenders."
- Mike R.

"I have been in the business for 18 years, and I have worked for 3 net branch mortgage companies before I found Hometown Lenders. I was a office manager for another net branch when I decided it was time for me to go out on my own and found a company that would support me and my staff. Its hard enough to be in Mortgage business today but the leaders at Hometown Lenders make it an easier place to get the loans closed. One thing that made change to Hometown Lenders was the President and Vice President of the company they answer their phones and answer your questions very quick and treat you like family. They also have staff members you can call at anytime to get help with anything you need to run your branch smoother, you don't haven't to wait two or three weeks like I had to with other net branches."

"We have an excellent correspondent lender relationship that works very close with us to make sure we have excellent service with them and our appraisal management company. I totally, understand peoples frustration with this appraisal management thing, but here at Hometown Lenders I don't have those problems. The only time I have had an issue is when there were several repairs to be done and the homeowner didn't fix them correctly and it took the appraiser three times to go out there."

"Another great thing about Hometown is they do have a great processor team if you need a processor. I have been dealing with processor team for the last 6 months and they keep you informed with the loan. And they answer every email you send and returns calls too. I am very happy I made the switch!"
Sabrina K. - Tennessee Net Branch Manager

"Thank you so much for having the class. It is so nice to first of all get paid for the work we are doing but also to have a group of people that care about there employees. I enjoyed the class now we know how to do it the right way. Again Thank you so much for caring"
- Tif S.

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