Business Details
24 Years
experience
Your Trusted Mortgage Partner in Gainesville, GA
Founded in April 2002 by Wes Hunt, HOMESTAR has evolved from a local mortgage banking company into a top nationwide mortgage purchase lender. Our in-house team controls every aspect of the loan process, including processing, underwriting, closing, and funding, ensuring seamless communication and efficient service. We offer a comprehensive range of mortgage solutions, including conventional, FHA, USDA, VA, jumbo, reverse, and refinance programs, tailored to meet diverse client needs. Our mission emphasizes honest lending, exceptional customer service, and community relationships, guided by core values of transparency and integrity.With over two decades of experience, we combine industry expertise with cutting-edge technology to simplify the home financing journey. Our team of certified professionals provides personalized guidance, ensuring clients receive the best mortgage options for their unique circumstances. We maintain authoritativeness through nationwide licensing and adherence to strict ethical standards, fostering trust through consistent, reliable service. Our commitment to client satisfaction is demonstrated by our track record of successful transactions and positive customer testimonials.
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Jumbo Loans
Reverse Mortgage
FHA 203K Loans
Refinance
RefiNow Program
NaturaLiving Mortgage
Details
- Year established: 2002
Highlights and features
- We offer in-house processing, underwriting, and closing for faster mortgage transactions.
- Our team provides personalized guidance for first-time and repeat homebuyers.
- We maintain nationwide licensing with coast-to-coast service capabilities.
- Our mortgage solutions include specialty programs for unique property types.
- We combine 20+ years of experience with state-of-the-art technology for seamless service.
What people say
Stress-free process
Excellent guidance
Top-notch service
Seamless experience
Outstanding customer service
Services
Conventional Loans
Conventional loans offer fixed or adjustable-rate mortgages with 97% maximum financing. These loans suit borrowers with good credit and stable income, providing options for primary residences, second homes, and investment properties. Our experienced team helps clients choose between 15- or 30-year terms to match their financial goals.
FHA Loans
FHA loans provide low-down payment options (as low as 3.5%) for borrowers with lower credit scores. These government-insured loans benefit first-time buyers and those with moderate income. We specialize in FHA 203k renovation loans and streamline refinancing options for qualified applicants.
USDA Loans
USDA loans offer zero-down payment options for eligible rural homebuyers. These loans target low-to-moderate income applicants in designated rural areas. Our specialists help clients navigate eligibility requirements, including income limits and property location criteria.
VA Loans
VA loans provide exclusive benefits for veterans and active-duty personnel, including no down payment and limited closing costs. We assist with standard VA loans and cash-out refinance options up to $1M, with specialized support for Certificate of Eligibility processing.
Refinance
Our refinance programs include rate-and-term adjustments, cash-out options, and VA IRRRL solutions. The RefiNow program offers savings up to $3,000 annually, while our NATURALiving program caters to unique property types like steel-framed homes.
People
Wes Hunt
Founder and CEO
Wes Hunt founded HOMESTAR in 2002 with a vision to transform mortgage lending. Under his leadership, the company grew from a local operation to a nationwide lender, maintaining a focus on customer service and ethical practices.
Questions
What credit score do I need to qualify for a home loan?
Minimum credit score requirements vary by loan type. FHA loans accept scores as low as 500-580, while conventional loans typically require 620+. Our team helps determine eligibility based on your specific situation.
Are there zero-down payment mortgage options available?
Yes, we offer USDA and VA loans with zero-down payment options. USDA loans target rural properties, while VA loans serve veterans and active-duty personnel. Both programs have specific eligibility requirements regarding property location and service history.
How does the mortgage process work?
Our process includes pre-approval, home search, rate lock, processing, underwriting, and closing. We handle all stages in-house for faster turnaround, providing step-by-step guidance through our online portal and dedicated loan originators.
Can I refinance with bad credit?
Refinancing options exist for various credit situations. VA IRRRL requires minimal documentation, while conventional refinancing typically needs a 620+ score. Our specialists evaluate your unique circumstances to find suitable solutions.
What is the difference between pre-qualification and pre-approval?
Pre-qualification provides an estimate based on self-reported information, while pre-approval involves verified documentation. Our pre-approval process includes credit checks and income verification, giving buyers stronger negotiating power in competitive markets.
Do you offer down payment assistance programs?
Yes, we participate in various down payment assistance programs depending on location and income. Our loan originators help determine eligibility for state-specific programs that can reduce upfront costs for qualified applicants.
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