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Goodwin Financial Group
Daniel C Goodwin
President and CEO
Phone: 281-296-9977
Ext: 12
Toll-Free: 888-281-7011
Fax: 866-276-4272
While other mortgage companies have folded in the past year due to questionable lending practices, Hometrust has stayed the course - originating loans the traditional way. "We've been doing the same A-quality mortgage loans that we've always done, while the market has followed the sub-prime route," says Buzzy Knapp, Hometrust Mortgage senior vice president and co-founder. "While the trend was to do risky loans, our company decided to buck the trend and stick to the plain vanilla loan product secured through Fannie Mae, Freddie Mac, FHA and VA."
One positive outcome of the current mortgage environment is that Hometrust has been able to lure some of the most experienced loan officers in the business to join the team. "We've found a lot of good people out there who, unfortunately, were working for unstable companies," says Knapp. Hometrust's growth strategy has always been to hire top-notch, veteran loan officers and give them the tools to succeed. Those tools include decentralized offices, the latest mortgage approval technology and back office support, and aggressive loan pricing. "Because of the volume and quality of the loans we originate, we can select the best interest rate available for each customer," Knapp notes.While many of the major mortgage companies have centralized their operations, Hometrust chose from the beginning to "push the loan decision into the neighborhoods," says Knapp. The company establishes branch offices in master-planned communities - close to the customer. In recent years, they've expanded the concept, opening branches in the offices of real estate brokers and home builders.
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