At HMS Capital we offer personalized service no matter what size your loan. Our experts will guide you through the loan process, get you the best rates possible, and do it without any high pressure sales tactics. All of our specialists are on salary, not commission, and their main goal is to make sure you are completely satisfied throughout the entire process.We wont run your credit report in order to give you rates and payment options, we wont call you 3 times a day for weeks at a time, and we wont tell you one thing and then give you another.We are a direct lender which means there are no middle men so you get the lowest rates possible, on any home loan or refinance, without having to jump through hoops.