DO NOT USE HOMEOWNERS FINANCIAL GROUP! My wife recently got a mortgage through Adam and let me tell you it has been an absolute nightmare. Him and his assistant, sherry, ask for documents multiple times, gaslight you saying you never sent something when you already have, take forever to do anything then blame it on you. The cherry on top is after we closed they sold the loan to Specialized Loan Services. Just do a quick Google search and you'll see that there are open class action lawsuits against them for scamming people out of their homes. DO NOT USE THESE PEOPLE, THEY DON'T CARE ABOUT YOU!