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This awards program recognizes the industry’s top employers through extensive employee surveys evaluating the following eight topics: Leadership and Planning, Corporate Culture and Communications, Role Satisfaction, Work Environment, Relationship with Supervisor, Training, Development and Resources, Pay and Benefits, and Overall Engagement. ’s recent additions to our Executive Team and implementation of strategic growth initiatives, our excitement for this award is especially important as it emphasizes our corporate commitment to further developing our Culture. Our commitment to our Culture and shared values as evidenced by our Culture Committee, cultural awards and recognition programs is a big part of who we are at HFG,” shared Bill Rogers, President & CEO. while ensuring we always remain focused on what’s most important.” To view the full list of rankings for the mid-size category, please visit the article published here and view the full list of winners here.

Also known as DTI, this ratio is an expression of your monthly debt payments compared to your monthly income. Before you start house hunting, review your current income and expenses, set a realistic housing budget and make sure you’ll be able to comfortably afford your monthly mortgage payments. If you can’t save 20% for a down payment — and many people can’t — you may still be able to qualify for a mortgage. But you’ll probably have to pay for private mortgage insurance (PMI) until you have 20% equity in your home, and that will increase your monthly mortgage payment.

In 2020, it took an average of 61 days to close on a VA loan compared to 62 days for an FHA loan and 57 days for a conventional loan, according to Ellie Mae’s December 2020 origination insight report. But if the home of your dreams is in good condition and meets the VA’s criteria, the appraisal process won’t be much different for a VA loan than it would be for a conventional loan. But the overall cost of a VA loan is typically less than a convention loan because there’s no PMI on VA loans and there’s a limit to how much you can pay in closing costs. In 2020, the average rate on a 30-year fixed VA loan was 2.66 compared to 2.96% for both conventional and FHA loans, according to Ellie Mae.

Homeowners Financial Group, a leading national award-winning mortgage company, is pleased to announce the expansion of our Executive Team with the hiring of Brian Ruzycki as Chief Information Officer. Brian brings over 20 years of experience in Information Technology (IT) and has maintained a focus on product development and data analytics in building enterprise solutions. I couldn’t be more thrilled to add Brian to the Executive team to ensure we provide leading-edge technology in both IT and software capabilities to continue to provide our employees with what they need to be successful,” commented Bill Rogers, CEO & President. Since opening our doors in 2004, our commitment to supporting borrowers while building a corporate culture focused on family has transformed HFG into an award-winning mortgage company.