Changing The Way You Mortgage

  • Hassle-free Process for Quick & Easy Closings
  • Zero Cost Options & Industry Leading Rates
  • No Hard Inquiry to Determine Eligibility!

*A full credit report will only be required if a loan offer is accepted. A single mortgage inquiry will typically only affect your credit score by 3-5 points

As your dedicated mortgage professional, our focus is to deliver the most competitive option in the marketplace tailored to meet your particular needs, with exceptional service and communication every step of the way.

How It Works


Our application takes less than 3 minutes and will not affect your credit score.

Compare Rates & Costs

A licensed specialist will help you compare the best options from over 50 of the nation’s leading lenders.


Once you’ve selected the best option for your needs, we can begin the origination process. Closing in 7-21 days.


Don't Settle for Less

You deserve skilled, mortgage professionals who will give you their best, every time!

Checking eligibility will not affect your credit score.

Completing the questionnaire will assess your home loan eligibility, allow you to review estimated offers if eligible, and will not impact your credit score. If you accept a proposal, a one-time credit inquiry will be required which may impact your credit score

About HomeBackerUSA

When comparing mortgage companies, getting a low rate isn’t enough. You need skilled, dedicated professionals who give you their best consistently. Our guarantee doesn’t end with our superior pricing. Our loan officers go above and beyond to deliver exceptional service and concise communication every step of the way. 

mortgage lender

Mortgage Rates & Loan Options Personalized For You

We’re redefining the mortgage experience with personalized assistance, honest insight, and simplified access to the best mortgage rates on the market. Our experienced mortgage brokers live and breathe our client-first business model; our mortgage brokers only succeed when we find you a better loan, refinance, or pair you with a lender that has your best interests in mind. 

After completing our simple questionnaire, you’ll have direct access to over 50 of the nation’s leading lenders. Once we learn about your specific home buying or refinancing needs, we’ll get to work connecting you with a variety of loans that make sense for your situation. 

Home mortgage rates

With our straightforward guidance and depth of loan expertise, we hope to support your long-term investment strategies, empower you with mortgage payments you can actually afford, and can even help you access affordable loans for funding needs beyond the home.

Compare the Leading Mortgage Companies With Ease

Our mortgage brokers have years of hands-on experience analyzing and comparing the top mortgage lenders. Providing our clients with transparent comparisons is a fundamental aspect of our personal approach, and while we discuss the unique specifics of each mortgage company with you, you’ll have valuable insight into the pros and cons of each mortgage lender’s portfolio.

  • Will provide access to different loan options & lenders
  • Will represent your best interests first & foremost
  • Will save you time as you will only need to fill out one application
  • Will receive personalized loan solutions that will meet your specific needs
  • & More

We know how complicated the mortgage application and paperwork process can be, but after we have your basic information, you can leave the complex research up to us. We’ll connect you with all of the relevant options that meet your specific criteria and do everything in our power to create a seamless experience so you can refinance, find a new loan, or access a more flexible plan with stress-free success. 

Once we find a few loan types that work for your situation, you can expect our helpful mortgage brokers to explain the details and highlight the fundamental aspects with clarity. Beyond finding you the best mortgage loan rates in Colorado, we know how important it is to provide our clients with useful information, and will use every tool at our disposal to prepare you to make an informed and confident loan decision.

Take Advantage of Our Mortgage Brokers for Low-Interest Funding

Even if you aren’t in the market for a new home purchase, comparing the latest mortgage rates is a great way to reduce your monthly expenses, access cash for repairs, or pay off high-interest debts. 

There are several ways you can take advantage of an affordable home mortgage rate to protect your financial wellbeing, such as:

Access a Home Equity Line of Credit: As a line of credit, a HELOC operates much like a credit card. With a HELOC, you can apply for a loan backed by the equity already established in your home. Thanks to the low-interest rates on these loans, a HELOC can be a powerful tool for paying off high-interest debts and managing priority expenses. 

Refinance to a Lower Interest Rate: Who doesn’t want to benefit from long-term savings and more affordable monthly payments? If your current mortgage payment is a significant strain on your finances, refinancing to a lower interest rate is one of the most reliable solutions for liberating financial burdens. 

Find a More Flexible Loan: There are many valuable reasons to consider a more adjustable loan type. If you’re hoping to pay off your mortgage faster, have plans to relocate, or simply don’t like the strict terms outlined by your current lender, mortgage companies offer competitive loan options designed for adaptable lifestyles.  

& More: There are many other ways that an optimized loan can support your financial goals; our mortgage brokers in Pennsylvania will show you how.

Find a Better Mortgage Rate Today

Finding a mortgage lender to support your needs and safeguard your finances has never been easier. We only pair our clients with reputable mortgage companies that are backed by fair lending practices and offer highly-competitive mortgage rates. If you’d like to learn more, our brokers are happy to share a wealth of free information and in-depth guidance today.

Our Happy Clients

What people say?

"Very Happy"
Ron treated us like we were his only clients. He was on top of everything and got back to us within minutes of our when we had questions.
Peggy Bono
"Gets The Job Done"
Ron Hibbs went out of his several times to take care of my needs, he gets the job done !!!
Paul Reese
"Great experience"
Ron was excellent through the process. Kept us updated often through the process and got us a great rate.
John McIntyre