HMBC: Your dedicated mortgage advisor, specializing in finding the perfect loan solution for your unique needs. We excel in VA and FHA financing, including single-close construction loans covering land and septic – achieve your new construction dreams with as little as 0% down (VA) or 3.5% down (FHA). Boost your credit score with our complimentary, gimmick-free credit analysis. We also offer competitive rates on Conventional loans (as low as 3% down) and Jumbo financing options. Let us guide you home.