Personal Mortgage Advisors

We'll shop for the best rates so you don't have to.

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Exceptional service

Our salaried advisors focus on your experience and needs, not commissions.

Customized deals

We have the flexibility to build the loan that meets your goals and budget.

Top rated experts

Our customer reviews average 4.9 stars with over 25 years in the industry.

A better mortgage experience
than you thought was possible.

Feel like a priority.

Your dedicated mortgage advisor is available to answer your questions whenever they come up, even on nights and weekends.

Never wonder “what if”.

Our experts shop around to find the best loan options on the market, so you never have to wonder if you got the best deal.

Speed up the process.

Submit your application online and get pre-approved in 24 hours. We can also help you close in as little as 14 days – that's 3x faster than the industry average.

Stay on top of everything.

Our technology platform allows you to manage everything in one place and easily collaborate with your agent, mortgage advisor, and title company.

Breathe a little easier.

With decades of experience under their belt, our mortgage team has the knowledge and skills needed to get the job done and ensure you make it to closing.

No surprises or hidden fees.

You should know what you're getting into. Our mortgage advisors put everything on the table and provide clear explanations so you know what to expect.

Customize your loan to meet your needs.

One-size-fits-all mortgages don’t make sense. Our unique business model and low overhead costs give us the flexibility to personalize your options and find mortgage solutions that work for you. Big banks and commissioned mortgage brokers don’t have that luxury.

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Trusted mortgage pros
who get the job done.

We know what we're doing.

  • 25+
    years of mortgage experience
  • 1000+
    loans closed
  • 4.9/5
    star average client review


Hear from our past customers about their experiences.

Isaac T. | ★★★★★

Bought in Long Branch, NJ

“I'd rate them 10 stars if possible. Casey is a total class act. Prompt responses to my emails, honest, straight forward with fees & rates, NO games, helpful, hard working, caring, thorough & more. He saved me money by telling me when to lock the rate & kept me updated through the whole process. He made it so easy, I didn't worry a bit. I could reach him ANY time. I've never dealt with such an honest, sincere, & good hearted mortgage broker like Casey. After calling quite a few of the brokers online, I didn't think there were honest & trustworthy mortgage brokers out there until I came across Casey.”

Dave B. | ★★★★★

Bought in Philadelphia, PA

"Robert was great to work with. We had to close in 30 days, and the process went like clockwork. They were able to secure an extremely competitive rate (I couldn't find anything even remotely close), and then worked with me to make pulling the documentation together easy. Of course, throughout the process I had lots of questions. They were always responsive and helpful. I kept waiting for the, "oh, we forgot to tell you"...based on my experience with other mortgage brokers. Everything was respectful, transparent, and easy."

Sherwin C. | ★★★★★

Bought in Essex Fells, NJ

"Working with Casey was a pleasure throughout the entire Mortgage process. He's extremely committed to finding the right solution for his clients. He also very responsive during the entire process. Everyone has a lot of questions and anxiety while obtaining a loan. Its professionalism like Casey's that makes this process bearable. Trust me when I tell you, he's the one to work with when shopping around for a mortgage."

Frequently Asked Questions

What kind of mortgage loan products do you offer?

Since we work with multiple lenders, you can choose from a variety of loans including conventional, FHA, USDA, VA, jumbo, professional, and portfolio.

What does a personal mortgage advisor do?

Our personal mortgage advisors are loan officers who have relationships with a number of lenders, banks and credit unions, giving us access to the best rates at the lowest costs. Your advisor works with you directly and is available for you whenever you need them – you won't be passed around or stuck dealing with a call center on nights and weekends. Mortgages can feel intimidating, but our mortgage advisor's job is to make sure you know exactly what you're signing on for. They make sure that you have a smooth mortgage experience and bring the expertise that you need to make it to closing without a hitch.

How is Houwzer Mortgage different from other mortgage brokerages?

Most loan officers are compensated on a commission basis. At Houwzer, we employ salaried loan officers so they can work out the best loan for you – not the best loan for their paycheck. This means you can trust the advice they are giving you and that they are truly working in your best interest.

How can you offer such low rates?

Our low overhead costs and salaried pay structure gives us more room to keep rates down. By keeping costs low, we are able to pass these savings on to you.

Do you charge a commission or fees?

Lenders almost always pay Houwzer's compensation. It is extremely rare that a customer would have to pay a fee, but if they did, we would make that clear from the very beginning. In almost every case, borrowers pay NO broker fees and there's no extra cost for using us. In fact, borrowers normally end up saving money when they use our services.

Will getting pre-approved hurt my credit score?

Pre-approvals are a necessary part of the process. It does require a credit pull which is a hard inquiry, but it shouldn't have a dramatic impact on your credit score as inquiries only make up a small percentage of your credit profile. Also, these inquiries only last on your credit for 120 days.

What states does Houwzer Mortgage offer mortgages in?

We currently operate in Pennsylvania, New Jersey, Maryland, DC, Virginia, and Florida. We are working on completing our licensing in other states.

Let our mortgage experts find the best deal for you.

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Nations Home Loans, LLC doing business as Houwzer Mortgage is a mortgage broker and lender. NMLS #1172936. Main office located at 1435 Walnut St., 3rd Floor, Philadelphia PA 19102. Licensed by the Pennsylvania Department of Banking and Securities, the New Jersey Department of Banking and Insurance, the Maryland Commissioner of Financial Regulation, the District of Columbia Department of Insurance, Securities, and Banking, the Virginia Bureau of Financial Institutions, the Delaware Office of the State Bank Commissioner, the Florida Office of Financial Regulation, the Colorado Division of Real Estate, and the Arizona Department of Insurance and Financial Institutions. Equal Housing Lender. All borrowers are subject to credit approval, underwriting approval, and product requirements. Some restrictions may apply. More information available in NMLS Consumer Access.

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