Who Is Home Team Equity?

Home Team Equity, LLC is the culmination of exhaustive research and street experience that addresses the needs of today’s top loan originators and mortgage broker companies. The result of this research has allowed HTE to create the ultimate working environment while focusing on the more important needs in our industry...quality products, programs and services for our clients and borrowers.

The standard is yet to be set in mortgage broker consolidation. HTE has focused on building the premier originating platform that will attract the top individuals and companies throughout the country. This fragmented industry allows only limited leverage with lenders and vendors, and there is a tremendous need and opportunity in the marketplace for partnerships among reputable firms.

HomeTeam Equity's loan officers bring established relationships and consistently high volume. This combined with our ground breaking acquisition program offers our employees and clients a company with distinguishing characteristics that separate us from our competition. The end result is the strongest lender relationships in the industry….and that leads to the best service and price for our clients!

Who is Steve Carter?

I have worked in the mortgage business for over twenty years servicing the North Florida market first as a mortgage banker and now as a broker. As a banker, I realized the benefits of being a broker. I am able to step outside of the "perfect box" that a banker must fit a loan into to risk losing it to another lending representative. I have been diligently working on building a seasoned professional staff that can facilitate my borrowers and preferred business partners with customer service beyond expectations. I have utilized the tools that Home Team Equity, LLC has provided to me, but have taken them even further.

I believe that in this business all we have is our honesty and integrity and that is what will allow us to stand out from the rest. From this philosophy, I have built my business mainly upon referrals. In addition to my staff of local underwriters, processors and closers, we have maintained expert functionality through a network of established reputable insurance agents, financial planners and CPA’s to better service all that are involved in each and every transaction. We are surviving in this tough market due to the fact we always offer our clients an honest and long term relationship. We continue to reach new goals and strive to build higher standards in customer care. We look forward to building a long term relationship with you and your family.

Please take a minute to read the following page outlining the differences between utilizing a mortgage broker rather than a bank. It is very insightful information that may appeal to your method of choosing a lender.

What is a Mortgage Broker

A mortgage broker is a professional who seeks the best mortgage terms for you by accessing a network of lenders that includes major banks, trust companies, credit unions, investment companies, insurance companies, and finance companies. (Brokers may also draw on local lenders that aren't part of a network.) This stable of lenders provides brokers with options to provide to you – not just the cookie-cutter options your bank may be offering.

While a broker may have relationships with the country's biggest lenders, a mortgage broker is not beholden to any of them. A broker is beholden only to you, the client.

Mortgage Broker expertise can save you time and money

Some people don't want to spend the time and energy seeking out the best mortgage, by contacting a range of lenders, obtaining information about interest rates, fees and closing costs, and comparing available loans. A mortgage broker can perform those tasks for you.

Mortgage Brokers are paid by lenders

The other misconception -- which still exists today -- is that brokers exact additional fees from clients. Built in to the wholesale rate offered by a lender is a commission paid from the lender to the broker. Since most broker’s offices do not have the overhead costs of marble walls and upper management expenses of retails banks, the financing terms a broker is able to pass on to you my be more competitive than those offered through retail bank channels

Mortgage Brokers can be more flexible than banks

Additionally, some people may want more flexibility relative to their financing needs. A mortgage broker may be able to accommodate these needs whether lower down payment, lower interest rates, or more financing options.

Finally, one of the biggest advantages to having a mortgage broker is the personalized service. With retail banks, borrowers often endure long, stressful and occasionally fruitless meetings and conversations with a variety of bank personnel in a daunting institutional environment. The mortgage broker put them more at ease.