Homeowners Mortgage Enterprises, Inc., (HME) headquartered in Columbia, SC was founded in 1983 to provide service orientated residential mortgage lending to the Midlands of South Carolina.
Now with a national footprint, our Correspondent Services Division provides that same level of service throughout the United States. Strong, experienced management, a robust lending platform and cutting edge, secure technology have allowed HME the opportunity to expand our footprint to its current level.
Our staff of mortgage professionals provides an excellent support system to our growing client base as we continue to navigate the changing mortgage market. Offering assistance and technical expertise, our problem solving skills are unparalleled in the industry.
We stand ready to assist you in every way possible.
SVP Correspondent Services Sales Manager
2530 Devine Street
Columbia SC 29205
Office: (803) 765-1521
Our staff of mortgage professionals are accessible on all levels, which gives you the confidence of operational support without the overhead. We offer personalized service, competitive rates, and products, which strengthen your processing and sales. HME provides services such as underwriting, docs and funding on your behalf. Plus our Mortgage Banker Finance Division, offers a warehouse line that allows you to operate as a mortgage banker.
We know that your organization is eager to meet the mortgage lending needs of your customer base. Homeowners Mortgage Correspondent Services is ready to assist with customized services tailored to your unique challenges. Homeowners Mortgage is your best partner for mortgage services. With the backing of CoastalStates Bank-we are one community bank helping another. Thirty years of professional mortgage services makes Homeowners Mortgage a solid choice for you and your borrowers.
We understand that your organization is eager to meet the mortgage lending needs of your member base. Homeowners Mortgage Correspondent Services is ready to assist with customized services tailored to your unique challenges. Understanding and respecting the relationship you have with your members makes choosing Homeowners Mortgage the best option. We have all the tools to make your organization “top of mind” in order to retain memberships and refrain from reaching in uncharted financial waters for a mortgage. We believe that our role is to support your relationship with your members.
Homeowners Mortgage offers a non-delegated "mini correspondent" option for our correspondent clients. Mini Correspondent clients close in their name with their money and HME will perform a compliance review and underwrite. HME will provide a closing option for these clients or will allow the clients to close their own loans. The mini correspondent option is for those clients that are more experienced, and or have higher volumes.
CoastalStates Bank has developed a warehouse offering with lower funding fees, reduced cost of funds and the
excellent customer support you expect from a funding team. This is a non-captive facility that allows your company
to deliver loans to any of the investors on our approved list, including our mortgage subsidiary Homeowners
Mortgage which has over 30 years of experience in offering Correspondent Services across the U.S.