Home Mortgage Solutions You Can Trust

Home Savings & Trust Mortgage was founded in September 2003 to help individuals and their families realize their dreams of owning a home.

Buy A Home

We identify loan products that put you in the best position for negotiating and securing your new home.

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We combine extensive lending and real estate experience with innovative financing products.

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VA Loans

We are LOCAL Veterans Affairs home loan experts bringing the gold standard when it comes to VA loans.

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Your Trusted Partner in Home Financing

Home Savings & Trust Mortgage (HSTM) is a regional, privately owned mortgage company. In the beginning, we understood in order to gain the trust of our communities, we needed to establish ourselves as a company that had the consumers’ interest first. We understand that a home mortgage is so much more than a financial transaction. We celebrate with our clients when they purchase a home and share their excitement when goals are realized through refinancing or building a real estate portfolio.


signing paperwork

Find A Loan Officer

Our team is passionate about helping members of their community find the ideal home loan for their scenario.

home exterior

Loan Types

Because every home, home buyer, and homeowner is unique, we have a wide variety of loan programs available to meet their diverse needs!


Home financing can be confusing, but we are here to help. Check out these resources, or reach out with any questions!

A+ Customer Service

Review For Cole McInturff
{Cole helped us purchase our new home on Lake Anne. Cole made the entire process incredibly easy - he is diligent, responsive, and incredibly personable. He supported us from start to finish (even popped in at Closing) so that nothing was a surprise and we always knew where we were and what was next. He helped us get a great deal at a less-than-great time. Highly recommend anyone to work with Cole as we will again in the future.
Review For Jonathan Schunker
{Jonathan was fantastic to work with through our first-time home buying process. He thoroughly explained everything and took us through the process step by step. He was always available when we needed him and had such a positive attitude. We couldn’t be more pleased with the whole process. Buying a house is a huge undertaking and Jonathan helped make it feel like a breeze!! Thank you from the whole family!
Review For Ryan Saale
{Ryan was incredible to work with - he is very knowledgeable and was always super up-front in explaining the mortgage process and what all the different terms and details meant, how they impacted my profile, etc. Working with Ryan really allowed a lot of the stress of the homebuying process to be taken off of my plate - I couldn't be more satisfied with the services that Ryan and the folks at HST Mortgage provided!
Review For Jordan Light Montgomery
{Jordan’s industry knowledge, strong work ethic, and personable personality helped me secure the perfect house in a unique market! She was always available and answered all of my many questions and concerns… If you are looking to secure a loan, give Jordan a call so she can walk you through the process!
Review For Sean Glennon
{Sean and his team are outstanding professionals. He understood my requirements immediately and worked closely with me throughout the refinance process. The Glennon Group closed my loan quickly, saving me $$$ in the process, exceeding expectations. If you need something done right and on your schedule, this is the firm.
Review For Laurie Puccio Tracy
{Laurie is phenomenal. Words can't even express my gratitude for her. She went above and beyond, responded super fast, and made sure I understood everything that was going on. She continues to help me even after I have closed on my first home!
Review For Tommy Light
{We highly recommend working with Tommy. As first-time home buyers, it was reassuring to know that we could always call on Tommy with questions about the mortgage process. He was knowledgeable and very responsive at every point in the process, especially when it came time to place offers.
Review For Travis Light
{Travis was very helpful and professional throughout the entire loan process. He was always available and made the process very easy. He also gave me a great rate that beat my normal bank by a full percentage point. Would definitely recommend him to anyone looking to buy a home!

Opening Doors For Our Nation’s Heroes


Home Savings & Trust Mortgage

3701 Pender Dr. STE 150, Fairfax, VA 22030

911 Paverstone Dr. Unit A, Raleigh, NC 27615

2010 South Tryon St. STE D, Charlotte, NC 28203




Loan Products

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Equal Housing Lender LogoHome Savings & Trust Mortgage - NMLS# 192608 | Licensed by the Virginia State Corporation Commission #MC-2440, MD #10674, DC MLB 192608, SC-192608, WV ML-38682, FL MLD1927, NC L-194428 (www.nmlsconsumeraccess.org)

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