New Horizons Home Finance

We have decades of experience in home finance. Most people will only go through the mortgage process a handful of times in their lifetime. The multitude of options available can be confusing and stressful. When you Go NHHF, we help you narrow down the choices to those that are most applicable to your specific situation.

As a mortgage expert, all we do is home finance. When you deal with a bank or credit union, the person taking your loan application is likely the same person you’d talk to about an auto loan, credit card, or opening a checking account. Most large lenders “dumb down” the products offered to make it less confusing for their own employees. You will never be offered many of the products available in the marketplace because it can be overwhelming for someone who’s sole focus is not on keeping up with mortgage products being brought to market every day.

Similarly, most large lenders “simplify” their mortgage pricing because a lot of factors go into what rate and fees apply for any given home financing scenario. When they simplify their pricing, they are generally not eliminating the highest priced scenarios from the offered programs, so if you would qualify for a lower rate/fee option for your circumstance you will never be offered it – because the big lender representative doesn’t even know it exists!

We work for you, our client, and our interest is in finding the best mortgage product available among our various lenders that suits your needs. As an independent mortgage broker competing with some of the biggest financial institutions in the country, our competitive advantage is that we always put our client’s interests first. We have multiple lenders to choose from and are therefore able to offer the best pricing and products available in the marketplace. For most people, their mortgage is the largest financial obligation they’ll ever take on – shouldn’t you have an independent expert on your side?