Joe Sloboda provides Fast n Easy Mortgage Solutions to meet your Residential & Commerical Mortgage needs.  Whether it is to purchase a home, cash out refinance or rate & term refinance. 

HG Mortgage is a Licensed Correspondant Lender offering : Conventional Mortgages, Fannie Mae and Freddie Mac mortgage programs, FHA Mortgage programs as well as Jumbo and Super Jumbo loans to satisfy your needs.  In addition to Reverse Mortgages for qualified homeowners over the age of 62.

Ask about these loan programs :

- First Time Buyer programs (get that $8,000 tax credit !) 

- FHA Refi Plus up to 105% Loan to Value

- Fannie Mae HomePath program with appraisal

- Conforming Jumbo loans up to $729,000

- Bridge Loans to help make those transitions

- SBA 504 for Commercial Property up to 90% 

- Hard Money Loans at reasonable rates & terms 

Customers first

Joe Sloboda has been working in Finance for over 14 years and as a Senior Loan Officer with HG Mortgage his primary focus is on you.  The borrower's satisfaction with the mortgage process are more important to us than anything else. Our goal is to make the mortgage loan process as simple and worry-free as possible. Many companies claim to offer the highest level of customer service, We pride ourselves in knowing that we actually provide what we promise. We appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home loan, commercial mortgage loan, home equity loan or second mortgage, or simply refinance the existing mortgage loan you currently have. 

See what some of our past clients have to say : Client Testimonials

As a member of the several highly respected National Associations dedicated to the mortgage industry such as the National Association of Mortgage Brokers , the Florida Association of Mortgage Brokers ,and the National Association of Responsible Loan Officers, you can rest assure that you will be working with a mortgage loan officer that has the highest level of experience and that you are also dealing with a professional who will not only deliver what is promised but who is held to a higher level of ethical standards. Our purpose is always to satisfy your needs. By putting your interests first and foremost, we assure you a pleasurable transaction.

Get fast answers

At our website you can find tools available to answer virtually any mortgage question.

Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator.

Wondering if a home equity loan or second mortgage can lower your monthly total monthly payments?  Use our Debt Consolidation Calculator!

Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Great Loan Programs

At HG Mortgage we offer dozens of differnt mortgage options when it comes to financing the purchase of your home, vacation home or investment property.  Working with over 50 different nationally reckognized lenders, as well as offering FHA, Fannie Mae and Freddie Mac loan programs.  In addition to Reverse Mortgages for qualified Senior Citizens.  We guarantee we will be able to find the most appropriate loan for you.  

Get Mortgage Solutions

At HG Mortgage we strive to help our borrowers become educated consumers with regard to shopping for there mortgages.  Joe Sloboda and his partner Hermes Garcia offer monthly "First Time Buyer" seminars and offer editorial to help answer Frequently Asked Questions such as "6 Mistakes to Avoid When Shopping for a Mortgage" .  Ultimately the goal at HG Mortgage is make the process of buying your home as stress free as possible.  We will get you the best mortgage available to you, with the lowest interest rates depending on your individual qualifications.

	Mortgage News Daily The Day Ahead: Inventories, Budget Statement, Treasury Auction - 1 hour ago Posted To: MND NewsWireInvestors this morning await the first real data to be released this week. But wholesale trade inventories isn’t a major market mover, nor is the afternoon’s budget statement, so it could be a quiet day if investors prefer to postpone trading until retail sales figures hit the headlines on Friday. One hour before the opening bell, the market is pretty flat. Dow futures are down 1 point at 10,563 and futures on the S&P 500 are up 0.00 points to 1,140.50 Meantime, WTI crude oil is up 31 cents to $81.80 per barrel, and Spot Gold is trading $5.15 higher at $1,127.00. Earlier today the Mortgage Bankers Association said its index of mortgage application rose 0.5% in the first week of March, but it remains down 12.5% from last year. Key Events Today: 10:00 ? Wholesale Trade Inventories...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Explaining The MBS Settlement Process - 16 hours ago Posted To: MBS Commentary10yr Notes progressively improved into the PM , ending 5 ticks better on the day with a yield of 3.70. MBS fought off much of the AM weakness in tsy's, and rallied just as well into the PM, reaching 101-15 at 4pm. But then we ended 4 ticks down on the day at 101-01! WHAT?!?!? So you're tellin' me MBS effectively erased all gains from the past two days?! Not exactly... I'll let AQ explain... -------------------------------------------- If you haven't read the following description of the agency MBS settlement process...please don't skip over it as it may save you from having to change your pants when next month's settlement rolls around. If you have read it...go over it one more time just to make sure the underlying logic is clear. The March FN 4.5 MBS coupon has...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Commercial and Multifamily Mortgages Outperforming Overall Bank Holdings - 17 hours ago Posted To: MND NewsWireCommercial and multifamily mortgages continue to have the lowest rates of charge-offs of any loan types at banks and thrifts and perform better than the overall loan portfolios at those institutions according to the Mortgage Bankers Association (MBA). In response to what it referred to as a great deal of discussion and conjecture about those loans in recent months, MBA updated an earlier " DataNote " analysis of commercial and multifamily mortgage data from the 4th quarter of 2008 with data from the same period in 2009. The report states that 56 percent of the assets held by banks and thrifts at the end of 2009 consisted of loans and leases, a category that includes 1-4 family mortgages, home equity loans, credit cards and other consumer loans, commercial mortgages, multifamily mortgages...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. HUD Enforcing Job Creation Requirements for State and Local Governments - 17 hours ago Posted To: MND NewsWireThe Department of Housing and Urban Development (HUD) has released the results of the first stage of its increased oversight and enforcement of job creation requirements under Section 3 of the Housing and Urban Development Act of 1968. In a press release on Monday HUD said that more than 3,100 state and local government agencies that receive HUD funds have responded to its campaign to expand hiring and contracting opportunities for low-income persons and three out of four of HUD-funded state and local agencies had submitted their annual reports. HUD said that this was the largest response since HUD made such reporting mandatory. Under Section 3, state and local governments that receive funding from HUD in excess of $200,000 for activities involving housing construction, demolition, rehabilitation...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. MBS AFTERNOON: Potential Reprices For The Better - 18 hours ago Posted To: MBS CommentaryMBS Off To The Races with 4.5's up 8 ticks to 101-15! 10yr up 5 ticks on the day dropping yield to 3.70 (through post auction resistance) Reprices for the better = highly likely From the Ninja: Mortgages are still on hold as today’s 3yr note auction held few surprises-everyone loves the shorter end of the curve; don’t you? $40 billion notes maturing in 2013 is quite commonplace and the sheer size of the issue is no longer an emotional and or logistical challenge to anyone directly (or indirectly, on the bid) involved. No real change to the way we do and or perceive business here in MBS secondary trading land. The market is better into lower and or range-bound rates, like today, and not as excited should the treasury market break out to the upside to prices (and lower interest...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Risk Weighted Returns; Warehouse Lending Credit Manager Needed; Subprime Analysts Lost; Bank News - 18 hours ago Posted To: The Garrett Watts ReportWe commented last week how a lot of people didn’t know what HSBC stood for... If you go back to when they bought a bank in Buffalo, New York to established themselves in the U.S. The joke was that HSBC stood for "Holy ____, Buffalo's Cold.” City National Bank (Los Angeles) was in the news for paying off all its TARP money last week, but the real story is how they became L.A.’s prestige bank in the first place. Frank Sinatra’s son was kidnapped on a Friday in 1963, and the singer called up Bank of America, Security Pacific and a few other big banks asking for $240,000 to pay the ransom money. The big banks told him to come in Monday morning and fill out a loan application. When he called City National, Chairman Bram Goldsmith told him “Come down to the...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.