Mortgage Banker, Residential & Commercial Lending

Achieving your dream of owning a home or commercial property should not be a stressful experience. As your dedicated mortgage banker, we are here to ensure that the mortgage process is as smooth and hassle-free as possible for you, so you can focus on making your dream a reality.

Discover Who We Are

About us

National Home Mortgage is a progressive mortgage banker company with state-of-the-art loan advisors, providing top-tier service. With a rating score of 4.9/5.0 over the past 25 years, we have closely collaborated with our customers to ensure successful outcomes.

Our mission

We serve with honesty, integrity, efficiency, and competency. Our customers and our teams complete satisfaction is our top priority. We serve to earn your trust.

Our goal

National Home Mortgage goal Is to partner with forward thinking loan advisors who can offer streamline financing, low interest rates with favorable terms and conditions.

Our Loan Program Options

PROPERTY INVESTOR LOAN

DSCR Loan

Debt service coverage ratio uses rental income to qualify for financing.

FLEXIBLE REQUIREMENT LOAN

Non-QM Loan

Flexible income and credit requirements provide financing options for unique situations.

HOME SELLER LOAN

Bridge Loan

Short-term financing for homebuyers who have a house to sell.

CREDIT CARD PAYOFF LOAN

Cash-out Refinance

Up to 95% loan-to-value ratio made for paying off high-interest debt.

RURAL HOMEOWNER LOAN

USDA Loan

Zero down, lower rates and lower credit reqs. Made for rural properties.

HIGH-EARNER HOME LOAN

Jumbo Loan

Special financing for higher value properties with limits set by location.

US MILITARY LOAN

VA Loan

Lower down payment and lower interest rates for US Military Veterans.

WELL-QUALIFIED LOAN

Conventional Loan

Great for well-qualified individuals, with lower rates and less hoops.

FIRST-TIME HOMEOWNER LOAN

FHA Loan

Lower down payment and lower barriers-perfect for the first-time buyer.

Our Awesome Team

David Roa

David Roa

Owner

NMLS#224858

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Scott Madgett

Scott Madgett

Co-Owner

NMLS#1656598

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Pj Le’Gre’Air

Pj Le’Gre’Air

Sr. Vice President of Residential Lending

NMLS#186391

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Andrew Roa

Andrew Roa

Vice President of Mortgage Lending

NMLS#2217211

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Dr. Vivian Smith-Del Toro

Dr. Vivian Smith-Del Toro

Senior Vice President

NMLS#2496467

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A. Leonard Weathers

A. Leonard Weathers

Senior Loan Officer

NMLS#229001

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Nancy Ibarra

Nancy Ibarra

Loan Officer

NMLS#2506316

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Which Mortgage is Right for You?

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Interest Only

A mortgage is called “Interest Only” when its monthly payment does not include the repayment of principal for a certain period of time. Interest Only loans are offered on fixed rate or adjustable rate mortgages as wells as on option ARMs

Adjustable ARM

Adjustable Rate Mortgages (ARM)s are loans whose interest rate can vary during the loan’s term. These loans usually have a fixed interest rate for an initial period of time and then can adjust based on current market conditions.

Graduated Payments

A graduated payment mortgage is a loan where the payment increases each year for a predetermined amount of time (such as 5 or 10 years), then becomes fixed for the remaining duration of the loan.

 Customer Reviews

Excellent
Based on 38 reviews
Rosa Reyes
Rosa Reyes
28/03/2024
Trustindex verifies that the original source of the review is Google.
National home mortgage is the way to go I had the best experience 100%
Vinnie D
Vinnie D
16/01/2024
Trustindex verifies that the original source of the review is Google.
Great service
Caroline Constantino
Caroline Constantino
02/01/2024
Trustindex verifies that the original source of the review is Google.
National Home Mortgage helped us purchase our first home. The staff was extremely helpful, professional and efficient. I gave Francisco a list of things i wanted & needed and he didn’t let me down. I would recommend NHM to anyone who is looking to buy their forever home! Thanks Dave, Francisco & everyone who made this possible. We are forever grateful.
Galo Granda
Galo Granda
15/06/2023
Trustindex verifies that the original source of the review is Google.
Let me begin with saying that if it was not for National Home Mortgage we would not be homeowners right now. My wife and I needed a home for our family.  We needed to find a home quickly due to some things that were going on.  My budget was low, I felt I didn't have enough money, credit also was not the greatest and we wanted a house in a nicer area.  I thought there were too many obstacles and personally thought it was impossible. We went with Andrew Roa and David Roa at National Home Mortgage.  They were very professional and easy to talk to. They gave us options to see which option was best for me and my family.  In no time we were looking at houses.  They always looked at everything in a positive way.  They knew exactly the neighborhoods we wanted. From the very beginning they said they would get us into a home and I almost did not believe them. I must have asked about 1000 questions throughout all hours of the day and Andrew and David always answered and were always in a good mood ready to help.  Andrew was almost like a therapist / loan officer for me. He was honestly very great to work with. The process for actually buying the home with National Home Mortgage was fairly easy.  Their team (Jocelyn and Lissette) are great at what they do.  They explain things very well and try to do the most they can for you.  Basically, you give them what they ask for and they do magic with it. Everyone that I came in contact with while working with National Home Mortgage were very patient and friendly.  We love our new home. We are very thankful with everyone at National Home Mortgage. I highly recommend them to anyone that has questions or is ready to purchase their home. You will not regret it.  Thanks again Andrew and David!
Dovie Daniels
Dovie Daniels
27/04/2023
Trustindex verifies that the original source of the review is Google.
They are very professional and patient, and understanding!
Rosita Silva
Rosita Silva
26/04/2023
Trustindex verifies that the original source of the review is Google.
I’m am beyond pleased with National Home Mortgage! Their team is amazing , David and Lissette got us exactly what we wanted as interest rates and made everything so easy to work with !! Thank you for helping us obtain our dream home !
Maria Pirela
Maria Pirela
26/04/2023
Trustindex verifies that the original source of the review is Google.
My husband and I had an excellent experience getting a mortgage to purchase our luxury condo. The team is truly passionate, driven, and committed to their customers' needs. They went above and beyond to ensure that I received the best possible service, and I am extremely grateful for their help. My previous mortgage a few years ago was done by Wellsfargo and closing was a nightmare. Lissette, the processor, was especially helpful and sharp. She was always available to answer any questions I had and made the entire process as smooth as possible. I highly recommend this broker shop to anyone looking for a reliable and trustworthy partner in the mortgage process. Thank You!!!

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– Illinois – Wisconsin – Indiana – Michigan – Georgia – Nevada – Texas –