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 Employment Situation Report: -54K Total Job Losses. Private Sector Adds 67k Positions. Bonds Sell - 1 hour ago Posted To: MBS CommentaryTHE EMPLOYMENT SITUATION – AUGUST 2010 – BETTER THAN EXPECTED From the Release... Nonfarm payroll employment changed little (-54,000) in August, and the unemployment rate was about unchanged at 9.6 percent, the U.S. Bureau of Labor Statistics reported today. Government employment fell, as 114,000 temporary workers hired for the decennial census completed their work. Private-sector payroll employment continued to trend up modestly (+67,000). The number of unemployed persons (14.9 million) and the unemployment rate (9.6 percent) were little changed in August. From May through August, the jobless rate remained in the range of 9.5 to 9.7 percent. The number of long-term unemployed (those jobless for 27 weeks and over) declined by 323,000 over the month to 6.2 million . In August, 42...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. The Day Ahead: August Employment Data to Drive Markets - 1 hour ago Posted To: MBS CommentaryMarkets are roughly flat Friday morning ahead of the widely anticipated employment report for August, which at 8:30 eastern time is set to show that jobs declined for the third straight month. Ninety minutes before the opening bell, the S&P 500 is down 0.75 to 1,089.00. The 10 year Treasury note is -0-07 at 99-25 yielding 2.65% (+2.5bps) and the October deliver FNCL 4.0 is -0-02 at 102-22. The employment report is anticipated to show that 100,000 jobs were lost last month, though the decline relates to disappearing Census jobs rather than another dip. Still, private payrolls should increase a modest 41,000, according to economists polled by Reuters, and manufacturing jobs should be up by 10,000. “Unfortunately, whatever we see privately probably gets fully offset by other public sector...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Mortgage Rates Move Higher Before Jobs Data - 16 hours ago Posted To: Mortgage Rate WatchWhat a boring day in the markets! Stocks added to yesterday's gains and bonds added to their losses. This pushed mortgage rates marginally higher. The best 30 year fixed mortgage rates are still in the 4.125% to 4.375% range for well-qualified consumers, but less lenders are offering rates below 4.25% today. If your lender is still willing to offer a rate below 4.25%, your closing costs are about 25bps higher today (0.25% of your loan amount). AQ's comments from yesterday still apply... We're not panicking over this sell off. There has been no change in our fundamental economic outlook, we see no new reason to be optimistic about a rapid recovery. What we witnessed today was a technical adjustment, an adjustment that could reverse course on Friday morning if the Employment Situation Report...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Pending Home Sales Rebound from Record Low. What Might Boost Buyer Demand? - 17 hours ago Posted To: MND NewsWireThe National Association of Realtors released the Pending Home Sales Index today. NAR's Pending Home Sales Index measures the number of home purchase contracts that were signed in the monthly reporting period. Once "pending" sales contracts are closed, they are considered an existing home sale. Because the Pending Home Sales index tells us how many contracts were signed, it is consider a forward indicator of existing home sales. A signed contract is not counted as an existing home sale until the transaction actually closes. Excerpts from the Release... Following a sharp drop in the months immediately after expiration of the home buyer tax credit, pending home sales have modestly risen. The Pending Home Sales Index, a forward-looking indicator, rose 5.2 percent to 79.4 based on contracts signed...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Fed Hosts Neighborhood Stabilization Summit - 19 hours ago Posted To: MND NewsWireCommunity organizers, state and federal government officials, and representatives from banking, research and educations institutions are currently meeting in Washington at a REO and Vacant Properties Summit sponsored by the Federal Reserve Bank. The two day conference is focused on examining the problems associated with vacant and abandoned property and to explore approaches to neighborhood stabilization. Governor Elizabeth Duke, Board of Governors of the Federal Reserve opened the summit on Wednesday. In her remarks she introduced the types of issues that are faced by communities with high rates of foreclosure and REO and highlighted some of the lessons learned in the last few years about neighborhood stabilization strategies. She pointed out that the impact of each foreclosure goes far beyond...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it. Pre-NFP Outlook Plus Loan Pricing Comparison - 21 hours ago Posted To: MBS CommentaryWhat a rough morning! It appears my hard drive no longer wants to work. I tried to reach out for help, but no one answered. Then my gf called and reminded me that today is 9.02.10. This explains why Glenn is M.I.A, he's curled up on his couch watching re-runs of 90210! I think his favorite character is Dillon. Enjoy your day off Glenn! Oh well. I'm up and running again...... The day has not been so pleasant for originators either. Loan pricing is 2.9bps worse on average today. That doesn't sound too bad, but take a closer look. The largest rebate reductions were applied to the note rates closest to par. These are the rates most borrowers are hoping to be quoted. There is good news though, you can still lock in a rate below 4.25%! It's just gonna cost more at the closing table. The stock market...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.