Joe Sloboda provides Fast n Easy Mortgage Solutions to meet your Residential & Commerical Mortgage needs.  Whether it is to purchase a home, cash out refinance or rate & term refinance. 

HG Mortgage is a Licensed Correspondant Lender offering : Conventional Mortgages, Fannie Mae and Freddie Mac mortgage programs, FHA Mortgage programs as well as Jumbo and Super Jumbo loans to satisfy your needs.  In addition to Reverse Mortgages for qualified homeowners over the age of 62.

Ask about these loan programs :

- First Time Buyer programs (get that $8,000 tax credit !) 

- FHA Refi Plus up to 105% Loan to Value

- Fannie Mae HomePath program with appraisal

- Conforming Jumbo loans up to $729,000

- Bridge Loans to help make those transitions

- SBA 504 for Commercial Property up to 90% 

- Hard Money Loans at reasonable rates & terms 

Customers first

Joe Sloboda has been working in Finance for over 14 years and as a Senior Loan Officer with HG Mortgage his primary focus is on you.  The borrower's satisfaction with the mortgage process are more important to us than anything else. Our goal is to make the mortgage loan process as simple and worry-free as possible. Many companies claim to offer the highest level of customer service, We pride ourselves in knowing that we actually provide what we promise. We appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home loan, commercial mortgage loan, home equity loan or second mortgage, or simply refinance the existing mortgage loan you currently have. 

See what some of our past clients have to say : Client Testimonials

As a member of the several highly respected National Associations dedicated to the mortgage industry such as the National Association of Mortgage Brokers , the Florida Association of Mortgage Brokers ,and the National Association of Responsible Loan Officers, you can rest assure that you will be working with a mortgage loan officer that has the highest level of experience and that you are also dealing with a professional who will not only deliver what is promised but who is held to a higher level of ethical standards. Our purpose is always to satisfy your needs. By putting your interests first and foremost, we assure you a pleasurable transaction.

Get fast answers

At our website you can find tools available to answer virtually any mortgage question.

Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator.

Wondering if a home equity loan or second mortgage can lower your monthly total monthly payments?  Use our Debt Consolidation Calculator!

Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Great Loan Programs

At HG Mortgage we offer dozens of differnt mortgage options when it comes to financing the purchase of your home, vacation home or investment property.  Working with over 50 different nationally reckognized lenders, as well as offering FHA, Fannie Mae and Freddie Mac loan programs.  In addition to Reverse Mortgages for qualified Senior Citizens.  We guarantee we will be able to find the most appropriate loan for you.  

Get Mortgage Solutions

At HG Mortgage we strive to help our borrowers become educated consumers with regard to shopping for there mortgages.  Joe Sloboda and his partner Hermes Garcia offer monthly "First Time Buyer" seminars and offer editorial to help answer Frequently Asked Questions such as "6 Mistakes to Avoid When Shopping for a Mortgage" .  Ultimately the goal at HG Mortgage is make the process of buying your home as stress free as possible.  We will get you the best mortgage available to you, with the lowest interest rates depending on your individual qualifications.

	Mortgage News Daily MORTGAGE RATES: Best Lock/Float Advice I Can Offer - 5 hours ago Posted To: Mortgage Rate WatchI think it's safe to say that, consistently for the last 30 to 45 days, at least one lender (regional, major, or independent) has offered below market "record low" mortgage rates. Investor demand is consistently healthy for agency MBS, such that their prices are hitting new record highs on a daily basis. No lender faces a shortage of funding, nothing seems to be able to distract mortgage rates from rallying! This situation has forced us to refocus our attention on the competitiveness of the primary mortgage market, instead of closely monitoring every move in the secondary mortgage market (MBS). Here's how I would play it.... The "best executed" lock/float strategy comes down to finding an originator who knows the loan market, studies underwriting guidelines, and...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. USDA Rural Housing Bill Passes; Low-Income Rental Legislation Advances - 9 hours ago Posted To: MND NewsWireOne government housing program that had run out of funds months ago was revived by Congress yesterday, and another bill targeted at low-income rental housing moved a step closer to approval. The Senate yesterday passed HR 4899 to reestablish the popular U.S. Department of Agriculture Single-Family Housing Guaranteed Loan Program (Section 502 Housing) as a self-sustaining program. Also, the House Financial Services Committee approved H.R.4868 , the Housing Preservation and Tenant Protection Act of 2010 which aims to stem the loss of affordable rental housing units and prevent the displacement of low-income tenants. The Rural Housing program had run through its $13.1 billion funding by early this year and many buyers hoping to finance home purchases using Homebuyer Tax Credits were unable to...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MBS Lower and Wider. Reprices Reported. Buyers Lurking - 11 hours ago Posted To: MBS CommentaryRate sheet influential mortgage-backs are experiencing some localized weakness as stocks rally and swaps spreads widen. Nominally, yield spreads have been wider all morning but price levels were still pushing new records because Treasuries were catching a bid, but the poo hit the fan a few minutes ago and prices plummeted. We're still in the green though...just off the session highs. The September FNCL 4.0 is +0-03 at 101+30. The FNCL 4.5 is UNCH at 104-02. The secondary market current coupon is -1.6bps at 3.679. Yield spreads are at the wides of the week. After much rallying, agency MBS appear exhausted, but I doubt this will last long. Buyers have consistently jumped on any sign of weakness...unfortunately I've already seen a few reprices for the worse....(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Evolving Loan Officer Agreements: Mandatory Reserves and Good File Delivery - 11 hours ago Posted To: The Garrett Watts ReportAfter visiting over 100 shops in the past 3 years, we haven't really seen anything “new under the sun” in terms of loan officer agreements. Sometimes I think all contractual documents used by mortgage bankers originated from the same source. But more recently we've come across a few approaches that might eventually be considered the basis for new loan officer agreement practices. I’m not necessarily promoting these ideas, but they are worth discussing. The two additions are: (1) Mandatory reserves for future losses as a result of repurchase loan issues or early pay offs and (2) Good File Delivery Standards and Criteria when submitting loans to processing. Let’s dig a little deeper into these additions... Mandatory Reserves : Most agreements have clauses that...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Rapid Refinance Program: Don't Bet On It - 12 hours ago Posted To: Pipeline PressThe economy is so bad, I bought a toaster oven and my free gift with purchase was a bank...If the bank returns your check marked "Insufficient Funds," you call them and ask if they meant you or them...Angelina Jolie adopted a child from America...My cousin had an exorcism but couldn't afford to pay for it, and they re-possessed her..When Bill and Hillary travel together, they now have to share a room. The economy is indeed slow, generally speaking. So slow that conjecture is being openly discussed regarding yet another massive government-sponsored refinance/modification plan . I ignored them for a day or two, but figured I'd mention it anyway. Morgan Stanley put out a research piece suggesting a "change" to mortgage refinancing requirements: "The Fed and market...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The Day Ahead: Q2 GDP, Consumer Sentiment, Stocks Testing Support - 13 hours ago Posted To: MBS CommentaryA busy day awaits the markets as investors get their first look at second-quarter GDP. Also in the store is the influential Chicago Business Barometer which gives an update on how the economy is recovering in the midwest, plus a consumer sentiment index for the nation at large. While investors wait for the GDP report, headlines are focusing on an IMF report which said the U.S. financial system may need $76 billion in fresh capital to recover. “The findings, released today as part of a broader IMF report on the U.S. financial system, suggested that while the nation’s banking system is stable, it remains vulnerable,” reports Bloomberg News. “Home prices, commercial real estate loans and economic growth have the potential to cause shocks that could expose banks to more...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.