Business Details
Your Trusted Mortgage Partner in Midland, TX
HNB Mortgage is a full-service mortgage banker with over three decades of experience guiding clients through home loan processes. Our team of seasoned professionals specializes in personalized mortgage solutions, offering expertise in primary residences, vacation homes, refinancing, and specialized loan programs. We prioritize superior customer service, maintaining open communication with our Loan Specialist Team throughout the lending process. With access to a comprehensive range of mortgage sources, our dedicated specialists focus on securing optimal rates and terms tailored to individual needs.Our commitment to integrity and professionalism is reflected in our local management of all loan functions and our track record of repeat customers and referrals. We leverage advanced mortgage tools and an intuitive online application system while maintaining the human touch of experienced consultants. Our 30+ year history in Texas and neighboring states demonstrates our enduring commitment to simplifying mortgage processes for clients celebrating life's major milestones.
Services
Mortgage Loans
Refinancing Options
Home Equity Loans
VA Loans
FHA Loans
Jumbo Loans
Vacation Home Loans
Prequalification Services
Online Application
Loan Consultation
Highlights and features
- We offer 30+ years of mortgage industry experience with local Texas expertise
- Our team provides personalized loan recommendations based on individual financial situations
- We maintain direct communication channels with loan specialists throughout the process
- We offer competitive rates through access to multiple mortgage sources
- Our local management ensures faster decision-making and personalized service
What people say
Professional and courteous
Exceptional customer service
Competitive rates
Smooth loan process
Knowledgeable staff
Services
Mortgage Loans
We provide comprehensive mortgage loan services for primary residences, vacation homes, and investment properties. Our experienced team helps clients navigate conventional, jumbo, and specialized loan programs. With access to multiple lending sources, we secure competitive rates and terms tailored to individual financial situations while maintaining local processing control.
Refinancing Options
Our refinancing services help homeowners adjust mortgage terms, reduce interest rates, or access home equity. We specialize in cash-out refinancing for home improvements, debt consolidation, or education expenses. Our consultants explain all options clearly, ensuring clients understand long-term financial implications before making decisions.
VA Loans
We offer specialized VA loan programs for eligible military personnel and veterans. Our team understands the unique benefits of VA financing, including zero-down payment options and competitive rates. We guide clients through the entire process, ensuring proper documentation submission and timely approval for these important service-member benefits.
FHA Loans
Our FHA loan specialists help first-time homebuyers and those with limited credit histories achieve homeownership. We explain the lower down payment requirements and credit flexibility of FHA programs while ensuring clients understand mortgage insurance requirements. Our consultants maintain up-to-date knowledge of FHA guidelines for accurate prequalification assessments.
Prequalification Services
We provide comprehensive prequalification services to help clients understand their home buying budget. Our online application system allows 24/7 submission with real-time specialist support available. The process includes credit assessment, income verification, and personalized loan program recommendations based on current financial status.
People
Suzanne Smith
President
With over 25 years in mortgage banking, Suzanne leads HNB's Midland operations, specializing in complex loan scenarios and customer relationship management. She holds NMLS #192813 and maintains deep community connections.
Matt Dunnam
Loan Consultant
NMLS #234034 licensed professional with 15+ years helping Texas families achieve homeownership through personalized mortgage solutions and exceptional client communication.
Florinda Gomez
Loan Consultant/Closing Manager
NMLS #275680 expert managing loan closings with precision, ensuring smooth transactions for clients in Midland and surrounding areas through her 12 years of mortgage experience.
Melinda Norris
Loan Officer
Recognized for exceptional service in Marble Falls, Melinda combines mortgage expertise with compassionate guidance through the home buying process for first-time buyers.
Stephanie Houston
Loan Consultant
Three-time Texas housing award recipient with proven track record in complex loan programs, known for 24/7 availability and comprehensive client education.
Questions
What mortgage loan options do you offer?
We offer conventional loans, jumbo loans, VA loans, FHA loans, USDA loans, and specialized programs for vacation homes and investment properties.
Can I apply for a mortgage online?
Yes, our 24/7 online application allows convenient submission with the option to save progress and complete at your own pace.
Do you offer refinancing options?
We provide rate-and-term refinancing, cash-out refinancing, and streamline options to help homeowners achieve financial goals.
What areas do you serve?
We originate loans in Texas, New Mexico, and Florida with local offices in Midland, Big Spring, and Marble Falls regions.
How do you help first-time homebuyers?
We offer specialized programs like FHA loans, down payment assistance guidance, and comprehensive education about the home buying process.
What makes your service different?
Our local decision-making, experienced team, and commitment to personalized service with 30+ years of community expertise set us apart.