Home Mortgage Advisors

What Home Mortgage Advisors does

Home Mortgage Advisors, LLC (NMLS ID 2475938) is a privately held residential mortgage lender headquartered in Greenwood Village, Colorado, with an additional office in San Ramon, California. The company originates and refinances home loans across 11 U.S. states, with primary market focus on Colorado and Oregon. Home Mortgage Advisors is part of the CMG Mortgage, Inc. family of affiliated lending brands, which also includes Vision Lending Services, EVO Home Loans, EPiQ Lending, NextMortgage, Select Lending Services, The Gibraltar Group Mortgage, Linked Home Loans (HomeGuide Mortgage), and Reliance Mortgage Partners.

The company operates a sales-led distribution model combining a direct network of local loan officers with digital self-serve channels (website application portal at my.homemortgageadvisors.com and the HMA HOME mobile app on iOS and Android). It originates a broad product set spanning conventional, FHA, VA, USDA, and jumbo (up to $5M) loans, alongside specialty programs including Halal Financing (exclusive partnership with Ijara Community Development Corporation), HomeFundIt (down-payment crowdfunding), the All In One Loan (transactional offset mortgage), MedPro Premier (100% financing for medical professionals), Non-QM Closed-End Second programs for self-employed borrowers, and Builder Division programs for new construction.

Revenue is generated primarily through transaction fees on loan origination and refinancing, including origination fees, interest rate spreads, and loan servicing rights. The company employs a hybrid segmentation approach targeting first-time and repeat home buyers as primary segments, with secondary segments including military/veterans, rural/suburban buyers, high-net-worth jumbo borrowers, home builders/developers, medical professionals, self-employed borrowers, and Islamic finance seekers. Marketing is multi-channel, emphasizing content/SEO, social media, video testimonials, real estate agent referrals, and builder co-marketing. The company reports a 4.97 average customer rating based on 2,184 reviews on Testimonial Tree, and explicitly excludes Massachusetts from its service area.

Name

Home Mortgage Advisors

Legal name

Home Mortgage Advisors, LLC

Website

https://homemortgageadvisors.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Home Mortgage Advisors is a privately held residential mortgage lender licensed in 11 U.S. states, headquartered in Colorado and originating conventional, government, jumbo, and specialty loans (Halal Financing, HomeFundIt, MedPro, Non-QM) through a direct loan officer network, mobile app, and builder partnerships as part of the CMG Mortgage family.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Cash-Out Refinance Origination (FSALAAAF), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing services
• Jumbo loan programs
• Specialty mortgage financing

Headquarters

HQ city

Greenwood Village

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Origination: Home Mortgage Advisors generates revenue through originating mortgage loans including conventional, FHA, VA, USDA, jumbo, and specialty loan products. Revenue is earned through origination fees, interest rate spreads, and loan servicing rights.
2. Refinance Transactions: Revenue from refinancing existing mortgages, including rate/term refinances and cash-out refinances.
3. Builder Division Services: Services to home builders including construction-to-permanent loans, development financing, and builder rate lock programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Home Mortgage Advisors originates residential mortgage loans including purchase and refinance transactions across conventional, FHA, VA, USDA, jumbo, and specialty programs. The company also offers down payment assistance (HomeFundIt crowdfunding, BorrowSmart grants), specialty products for medical professionals and self-employed borrowers (MedPro Premier, Non-QM), Islamic-compliant Halal Financing, and builder-focused construction lending programs. Distribution is delivered through loan officers, an online application portal, and the HMA HOME mobile app.

Product overview

Home Mortgage Advisors is a mortgage company offering a comprehensive suite of loan products and financial tools. The core offering consists of traditional mortgage products (Conventional, FHA, VA, USDA, Jumbo loans) alongside innovative financing solutions (All In One Loan, Halal Financing). The company differentiates through specialized programs including HomeFundIt (down payment crowdfunding), Builder Programs for new construction, MedPro for medical professionals, and Non-QM products for self-employed borrowers. Additional offerings include refinance programs (CMG Refi LITE, Rate Rebound), income-based grants (BorrowSmart), and mortgage calculators. The HMA HOME mobile app connects borrowers with loan officers and REALTORS throughout the home buying process.

Differentiator

Problem solved

Functional benefit

Brands

• HMA HOME: Mobile application that guides users through home search and mortgage financing, connecting directly to loan officer and REALTOR
• All In One Loan
• HomeFundIt
• BorrowSmart
• Halal Financing

Products and services

• Conventional Loan Standard mortgage loans available for first-time home buyers, repeat home buyers, and real estate investors with good credit and low debt-to-income ratio, offering down payments as low as 3%.
• FHA Loan Government-backed mortgage insured by the Federal Housing Administration, designed for first-time home buyers and low-to-moderate income buyers with down payments as low as 3.5%.
• VA Loan Mortgage financing for Active Duty Military, Reservists, National Guard, Veterans, and Eligible Surviving Spouses, often with no money down.
• USDA Loan Rural development loan guaranteed by the U.S. Department of Agriculture, available with no down payment and option to finance funding fee and closing costs.
• Jumbo Loan Non-conforming mortgage for high-value properties with loan amounts up to $5 million, available for primary residences, second homes, and investment properties.
• 203(k) Renovation Loan Renovation loan that combines home purchase or refinance with repair costs in one application, approval process, closing, and mortgage payment.
• Halal Financing Islamic-compliant home financing program using Ijara-wa-Iqtina (lease and ownership) through exclusive partnership with Ijara Community Development Corporation.
• All In One Loan Nation's first transactional offset-type mortgage program combining banking functionality with home financing, allowing deposits to lower loan principal while keeping funds available for expenses.
• HomeFundIt Online down payment gifting platform allowing family, friends, and others to contribute to down payment through social media sharing, with 2-to-1 matching grant up to $2,000 for first-time buyers.
• MedPro Premier 100% financing program for eligible medical professionals (MD, DO, DDS, DMD, PharmD, DVM, etc.) with no mortgage insurance, loan amounts up to $2 million, and deferred student loan debt exclusion from DTI.
• MedPro Advantage 95% LTV program for medical professionals who do not qualify for MedPro Premier, with no mortgage insurance required.
• Non-QM Closed-End Second Programs Flexible income documentation programs (Non-QM Edge and Non-QM Advantage Closed-End Second) for self-employed borrowers to leverage equity without refinancing their first lien, offering Full Doc, Bank Statement, and DSCR options with up to 85% CLTV.
• CMG Refi LITE Refinance option with reduced title insurance fees using a Lender-Initiated Title Equivalent for eligible owner-occupied Conventional refinances, potentially saving homeowners between $225 and $2,059.
• Builder Programs Programs for home builders and developers including Build & Lock (rate locks up to 90 days), Extended Lock (up to 360 days), Temporary Buydowns, Custom Construction Loans, Development Financing, Joint Venture, and Condo Project Approval.
• HMA HOME Mobile App Mobile application available on iOS and Android that guides users through home search and mortgage financing, connecting them directly to their loan officer and REALTOR.

Quantifiable outcome

• 4.97 average rating based on 2,184 customer reviews
• +2 more outcomes

Named customers10 records

Segments9 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• Ijara Community Development CorporationcoreStrategic or Co-development PartnerExclusive partnership for Halal Financing program. Through this relationship, Home Mortgage Advisors offers Islamic-compliant home financing using Ijara-wa-Iqtina (lease and ownership) structure, where rent payments build equity. Ijara CDC handles servicing, insurance, property taxes. This makes HMA one of few companies nationwide offering this program.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Guild Mortgage: Mid-to-large US retail mortgage lender specializing in purchase mortgages, FHA/VA/USDA programs, and specialty products for underserved borrowers. Comparable in regional/branch-driven model with a strong first-time homebuyer focus similar to HMA's positioning.
• Movement Mortgage: Top-10 US retail mortgage lender with a strong loan officer model, faith-based values, and specialized first-time homebuyer programs. Comparable retail branch network and mission-driven cultural positioning to HMA.
• Paramount Residential Mortgage Group: Mid-sized retail mortgage lender focused on purchase mortgages, with regional branch networks and a comparable mix of conventional and government loan programs to HMA.
• Fairway Independent Mortgage: National retail mortgage lender with branch-based loan officer model, conventional and government loan programs, and a strong emphasis on customer experience. Closely comparable GTM motion (loan officer network + digital touchpoints) to HMA.
• CMG Financial: The parent company of Home Mortgage Advisors (dba CMG Mortgage, Inc.). Offers the same All In One Loan, HomeFundIt, MedPro Premier, and Halal Financing programs, and is the most directly comparable entity since HMA is a regional subsidiary of CMG's retail brand portfolio.

Broad incumbents

• loanDepot: Major national retail and wholesale mortgage lender with broad loan programs (Conventional, FHA, VA, USDA, Jumbo, HELOC) and a direct-to-consumer digital platform. Comparable retail mortgage origination business model to HMA, with greater geographic reach and brand spend.
• Rocket Mortgage: Largest US retail mortgage originator offering conventional, FHA, VA, USDA, and jumbo loans via direct-to-consumer digital channels and a loan officer network. Directly comparable retail mortgage lending model to HMA, but at dramatically larger scale.
• NewRez (now Rocket Mortgage): National mortgage lender (retail and wholesale) acquired by Rocket, offering full conventional, government, and Non-QM product suite including Closed-End Seconds. Competes with HMA across purchase, refinance, and specialty self-employed segments.
• United Wholesale Mortgage: Largest US mortgage lender overall, primarily wholesale but with growing retail. Comparable product breadth (conventional, FHA, VA, jumbo, specialty programs) and tech-forward approach (BOLT platform), competing for the same broker and consumer segments as HMA.
• Caliber Home Loans: National mortgage originator (now under Newrez/Rocket) with strong government loan programs (FHA, VA, USDA) and specialty products for non-prime borrowers. Comparable product breadth and government loan emphasis to HMA.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/home-mortgage-advisors
• Instagraminstagram.com/homemortgageadvisors
• YouTubeyoutube.com/channel/UCzk7e7TnW0CAYRIutIwKl8A

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Mortgage Advisors