Home Savings & Trust Mortgage

Home Savings & Trust Mortgage

Experience a different kind of mortgage lending company that treats our veteran population with the dignity and respect they've earned and the nation owes.

We are LOCAL Veterans Affairs home loan experts! Our experienced team of loan officers, processors and underwriters are the gold standard when it comes to VA loans. Home Savings & Trust Mortgage constantly beats the big banks and credit unions, offering the same price or better, but with personal service that comes only from decades of local lending experience and having actually walked in the veterans' shoes. First and foremost, we get to know you, your neighborhood, and your Realtor, but it doesn't stop there. We care deeply about your success and offer a variety of tools to maximize your VA benefits and uncover many facets of the VA loan program that are largely unknown or rarely taken advantage of by veterans. We offer quick closings on VA loans - as little as 25 days. We even offer VA workshops to help you fully understand your total VA loan benefit. With Home Savings & Trust Mortgage and its Executive Director of Military Affairs, Marshall 'Will' Williams by your side, you get unmatched professionalism and efficiency. We will earn your business through superior service throughout the life of the loan.

Operating as usual

fhfa.gov 11/28/2018

FHFA Announces Maximum Conforming Loan Limits for 2019 | Federal Housing Finance Agency

Good news for 2019!

Fannie Mae and Freddie Mac Baseline Loan Limit Will Increase to $484,350. These changes Fannie and Freddie are making say a lot about our market as home values continue to rise. “According to FHFA's seasonally adjusted, expanded-data HPI, house prices increased 6.9 percent, on average, between the third quarters of 2017 and 2018. Therefore, the baseline maximum conforming loan limit in 2019 will increase by the same percentage” (FHFA).

$453,100 (2018)  $484,350 (2019) for baseline loan limit

For high cost areas, $679,650 (2018)  $726,525 (2019) on conventional, FHA and VA loans.

READ MORE: https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Maximum-Conforming-Loan-Limits-for-2019.aspx

Great news for homebuyers! Reach out with questions.

fhfa.gov

10/24/2018

Home Savings & Trust Mortgage's cover photo

09/21/2017

Thanks Michele Tangen for your self employed income analysis class and lunch today at Home Savings and Trust Mortgage. Looking forward to the next class so we can keep helping more homebuyers!

03/16/2017

Have you RSVP'd for the first Home Buyer Happy Hour of 2017? March 18th from 12pm-2pm join Ariale & Associates at Home Savings & Trust Mortgage and Giving Tree Team at Fair Winds Brewing Company for a Q&A with local industry experts. We will have a raffle item & the first round is on us!

#ThomasArialeLoans

#HSTM

03/08/2017

Rather than turning to Google for your questions about the home buying process, why not ask local experts? No matter if you rent, own a home or six - the Giving Tree Team & Ariale & Associates at Home Savings & Trust Mortgage want to share our knowledge, experience, advice, and skills with YOU. Join us March 18th from 12pm - 2pm at Fair Winds Brewing Company for an open Q&A. First round is on us, and all who attend are eligible for a raffle item!

#ThomasArialeLoans

#HSTM

03/03/2017

SAVE THE DATE

Ariale & Associates at Home Savings & Trust Mortgage and the Giving Tree Team present their first Home Buyer Happy Hour of 2017! Join us March 18th from 12pm - 2pm at Fair Winds Brewing Company for a Q&A with local experts. We will have a raffle item & the first round is on us!

#ThomasArialeLoans

#HSTM

02/28/2017

Thomas Light Home Loans at Home Savings & Trust Mortgage

Nothing like submitting a file for processing on a Friday and having it underwritten and approved on the following Monday. It only happens when your processor and underwriter are the best around! Thanks Chandler and Michelle; you are the best!

Thomas Light

01/25/2017

Thomas Light Home Loans at Home Savings & Trust Mortgage

Congratulations to Thomas Ariale and Thomas Light for launching their new pages! Check out the links below:

https://www.facebook.com/ThomasLightHomeLoans/

https://www.facebook.com/ThomasArialeLoans/

Spread the word!

Thomas Light is a Mortgage Loan Officer at Home Savings & Trust. He is a Centreville native who is committed to exemplary service in the local market

housingwire.com 01/24/2017

Borrowers: This is how the FHA mortgage insurance premium suspension impacts you

http://www.housingwire.com/articles/39008-borrowers-this-is-how-the-fha-mortgage-insurance-premium-suspension-impacts-you

housingwire.com As the industry adjusts to the Department of Housing and Urban Development’s decision to suspend the reduction of Federal Housing Administration mortgage insurance premiums, consumers are left to face the impact now. Here’s what is means for borrowers.

01/06/2017

Happy New Year, and Congratulations to our Award Winners!

Patrick Cunningham, Sean Glennon, Thomas Light, Derek Harman, and more!

11/16/2016

Home Savings & Trust Mortgage

Anyone considering home buying in the future should attend!

Are you, or someone you know, considering a real estate purchase?

Join HSTM Loan Officer, Susanne Dominick, along with the Wheeler Team for an Informative Home Buyer Seminar!
Free...no obligation!

Who should attend?

- First time home buyers;
- Buyers looking to purchase an investment property;
- "Move up" buyers looking to buy a bigger home and weighing whether to keep their existing property as an investment.

Hear from and ask questions of Keller Williams Realtors Linda and Jamie Wheeler. Susanne will also be joining the discussion alongside other experts in the Mortgage Lending and Property Management fields.

When:

Saturday, November 19, 2016
10:00 to 11:30

Where:

8133 Leesburg Pike, Tyson's Corner
Same Building as The Olive Garden
8th Floor Conference Room

Reward: Walk away with not only knowledge about buying/investing to create wealth...also receive a $500 Gift Certificate (credit* towards your next home purchase, purchased through the Wheeler Team!) *credit will be given at settlement.

To RSVP, complete this Google RSVP: https://docs.google.com/forms/d/1hdJWp6xlYlCxi8wG9K0XdoIWF-U4wFrcICAr0_nxtjw/viewform?edit_requested=true

or email Susanne at [email protected]

or email Linda at [email protected]

docs.google.com 11/16/2016

Wheeler Team Home Buyer Seminar RSVP

Are you, or someone you know, considering a real estate purchase?

Join HSTM Loan Officer, Susanne Dominick, along with the Wheeler Team for an Informative Home Buyer Seminar!
Free...no obligation!

Who should attend?

- First time home buyers;
- Buyers looking to purchase an investment property;
- "Move up" buyers looking to buy a bigger home and weighing whether to keep their existing property as an investment.

Hear from and ask questions of Keller Williams Realtors Linda and Jamie Wheeler. Susanne will also be joining the discussion alongside other experts in the Mortgage Lending and Property Management fields.

When:

Saturday, November 19, 2016
10:00 to 11:30

Where:

8133 Leesburg Pike, Tyson's Corner
Same Building as The Olive Garden
8th Floor Conference Room

Reward: Walk away with not only knowledge about buying/investing to create wealth...also receive a $500 Gift Certificate (credit* towards your next home purchase, purchased through the Wheeler Team!) *credit will be given at settlement.

To RSVP, complete this Google RSVP: https://docs.google.com/forms/d/1hdJWp6xlYlCxi8wG9K0XdoIWF-U4wFrcICAr0_nxtjw/viewform?edit_requested=true

or email Susanne at [email protected]

or email Linda at [email protected]

docs.google.com Event Address: Keller Williams Offices 8133 Leesburg Pike, Tysons Corner - Suite 800

11/10/2016

Timeline Photos

10/07/2016

HooAH - this is what we do!!!

Congrats to the Morales/Martinez family! Here at Home Savings & Trust mortgage, it is our personal pleasure to help out Veterans in our community.

10/07/2016

Congrats to the Morales/Martinez family! Here at Home Savings & Trust mortgage, it is our personal pleasure to help out Veterans in our community.

10/04/2016

00115 RYB - Veterans Housing and Related Benefits

https://www.youtube.com/watch?v=72UkZ6FZsjc&feature=share

Marshall Williams George Light Larry Laws Sr.

Larry Laws, Sr., Host and Co-producer of the popular segment, First Home Alliance shines the spotlight on Veterans. His special guests are Mr. George Light, ...

09/29/2016

Marshall Williams

Lunch and Learn July 28 07/29/2016

This past Thursday, we held another Lunch and Learn titled "Demystifying the VA Loan." In this conference, our goal was to educate our guests on the great benefits our nation's military constituents have earned through their dedicated service. We had a great turnout and recieved excellent reviews. We also had great food!

At Home Savings & Trust Mortgage, we hold two events like this every month. Each month, we choose a different topic so as to give our guests the most well-rounded educational experience we can.

This past Thursday, we held another Lunch and Learn titled "Demystifying the VA Loan." In this conference, our goal was to educate our guests on the great benefits our nation's military constituents have earned through their dedicated service. We had a great turnout and recieved excellent reviews. We also had great food!

At Home Savings & Trust Mortgage, we hold two events like this every month. Each month, we choose a different topic so as to give our guests the most well-rounded educational experience we can.

housingwire.com 07/07/2016

Freddie Mac: Mortgage rates near all-time lows

http://www.housingwire.com/articles/37464-freddie-mac-mortgage-rates-near-all-time-lows?eid=342787410&bid=1454682

housingwire.com Brexit continues to take its toll on mortgage interest rates. The average 30-year mortgage rate sank yet again this week, drawing even closer to all-time lows.

housingwire.com 07/06/2016

The Brexit impact is real: Refis jump to 18-month high

http://www.housingwire.com/articles/37453-the-brexit-impact-is-real-refis-jump-to-18-month-high?eid=342787410&bid=1452343

housingwire.com Brexit’s impact on mortgage applications is here, and it looks like borrowers cashed in on the ultra-low interest rates. Last week's applications didn’t show any signs of Brexit given the delay in impact from U.S. Treasury yields effect on interest rates. That all changed with the latest round of ap...

bankrate.com 07/05/2016

Brexit drives mortgage refinancing boomlet - Bankrate.com

http://www.bankrate.com/financing/mortgages/brexit-drives-mortgage-refinancing-boomlet/

bankrate.com Lenders say they have seen an increase in refinance applications since the United Kingdom voted to exit the European Union.

06/22/2016

What an amazing staff we have here at HSTM!

A big thank you to the HSTM staff including those in processing, underwriting, closing, compliance, and the loan officers. We are routinely getting CDs done early and closing loans as fast as 30 days. We know it’s stressful to the staff, but our clients and real estate partners are winning and your efforts are very noticed! Thanks again!

06/21/2016

A big thank you to the HSTM staff including those in processing, underwriting, closing, compliance, and the loan officers. We are routinely getting CDs done early and closing loans as fast as 30 days. We know it’s stressful to the staff, but our clients and real estate partners are winning and your efforts are very noticed! Thanks again!

Lunch and Learn with United One 06/03/2016

We were honored yesterday to host Mike McNamara, United One's "Credit Doctor," for an informational presentation on credit reporting. Mike delivered a wonderful segment, we had excellent food, and a great turnout!

We were honored yesterday to host Mike McNamara, United One's "Credit Doctor," for an informational presentation on credit reporting. Mike delivered a wonderful segment, we had excellent food, and a great turnout!

washingtonpost.com 05/31/2016

A troubled Marine goes to Veterans’ Court: ‘I didn’t want to do this. At all.’

https://www.washingtonpost.com/local/a-troubled-marine-goes-to-veterans-court-i-didnt-want-to-do-this-at-all/2016/05/28/d2f2a864-2421-11e6-aa84-42391ba52c91_story.html

washingtonpost.com He was facing his third DUI. To avoid jail time, he reluctantly agreed to a special treatment program in Northern Virginia.

05/27/2016

Courtesy of Sean Glennon
NMLS# 259417

05/27/2016

"The mission of the Fairfax Veterans Treatment Docket is to serve the community and increase public safety by integrating and incorporating a coordinated treatment response for justice-involved Veterans with substance abuse and/or mental health issues, with the goal of returning productive, law-abiding citizens to the community, thereby reducing recidivism and criminal justice costs." To this end, the Fairfax Veterans Treatment Docket celebrated the first graduation of veterans, and we were honored to have had our Executive Director of Military Affairs, Marshall Williams, deliver a speech at the event. Thank you for your service!

05/23/2016

To all Real Estate Agents!

Family Night at the Ball Park 05/18/2016

We were honored to have a 98% turnout on a rainy day, and truly appreciative of the opportunity to witness history together as a team. Max Scherzer's 20 strikeouts tied the all-time MLB record. Go Nats!

We were honored to have a 98% turnout on a rainy day, and truly appreciative of the opportunity to witness history together as a team. Max Scherzer's 20 strikeouts tied the all-time MLB record. Go Nats!

connectionnewspapers.com 05/17/2016

Lorton’s Fair Winds Named Best Local Brewery

Congratulations to this veteran-owned local business, Fair Winds Brewing Company, for being named "Best Local Brewery!" Thank you for your service and your beer!

connectionnewspapers.com On a glimmering spring Sunday afternoon, the occasion might call for a light, effervescent beverage: a saison or farmhouse ale, a session IPA. But at Fair Winds Brewing Company in Lorton, customers lined up on April 10 to taste of something much darker, the second “Brewer’s Reserve” limited release…

[03/08/16]   It's that time again! Home Savings and Trust Mortgage would like to invite you to lunch at our office. We would like you to meet our underwriters, closers, and processors. We will provide lunch, and have a question and answer segment. As our space is somewhat limited please RSVP at your earliest convenience.

It will be held this Thursday, March 10th from 12-1 pm
Our Address: 3701 Pender Dr. Ste. 150 Fairfax, VA 22030

This is a great way to start a personal relationship with THE decision makers at our mortgage bank!

03/04/2016

We are very honored that our Executive Director for Military Affairs, Marshall Williams, will be speaking at the Veterans Association of Real Estate Professionals (VAREP) Lunch & Learn Event on March 23rd, 2016.

The topic? You guessed it, Demystifying the VA Loan!

Please join us for this enlightening event. Should you have any questions, please contact Marshall 'Will' Williams at: [email protected] or contact Kanoee Reynolds, whose contact information is on the flyer.

[02/05/16]   Thank you to everyone who came out for our first Meet the Staff Luncheon of 2016! We had such a great time and are looking forward to next Wednesdays lunch session! Don't worry, there is still time to RSVP for Feb. 10th.

It will be at the same time from 12 noon until 1 pm

Our address is: 3701 Pender Drive Suite 150
Fairfax, Va 2203

[01/28/16]   Home Savings and Trust Mortgage would like to invite you to lunch at our office. We would like you to meet our underwriters, closers, and processors. We will provide lunch, and we will have a question and answer segment. As our space is somewhat limited please RSVP at your earliest convenience as to which day you would like to attend.

This is a great way to start a personal relationship with THE decision makers at our mortgage bank!

Session 1 February 3, 2015 12 noon until 1pm
Session 2 February 10, 2015 12 noon until 1pm

Our address is: 3701 Pender Drive Suite 150
Fairfax, Va 22030

01/13/2016

Home Savings & Trust Mortgage

This is how we help our own!

Home Saving and Trust Mortgage helped over 600 local families finance their home in 2015, a 30% increase from 2014. Thank you to all our clients, staff and referral partners. Lets help even more this year. Happy 2016!

Category

Products

VA Loans
Conventional Loan
FHA Loan

Fixed Rate or ARM

Telephone

Address


3701 Pender Dr Ste 150
Fairfax, VA
22030

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
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