About Us

We established ourselves as a company that has the consumers’ interest first.

Who We Are

Home Savings and Trust Mortgage (HSTM) emphasizes its connection to the local community, serving areas from Maryland to Florida. HSTM provides comprehensive mortgage solutions and services for individuals and families to realize their dreams of owning a home.

Our roots run deep in the eastern regional area. As loan officers and originators with experience that spans decades, we established HSTM in 2003 to provide homeowners with personal and local expertise with integrity as our guide.

Most importantly, we keep the consumer’s interest as our top priority and always strive to maintain the trust of the community through transparent communication and dedication to detail. We also fully understand and meet the demands of the lending and real estate industry—from meeting tight deadlines to working closely with other professionals in the field. We are diligent when addressing customer needs and wants while providing a clear understanding of the entire lending process.

smiling couple receiving house keys

Our Core Values:

  • Professional Development and Quality Personnel: We emphasize the importance of professional development and recruiting high-quality personnel. We believe a strong team is essential for building trust with consumers.
  • Employee Satisfaction: We promote an environment that fosters professional growth and career satisfaction. We want our employees to feel invested in the company’s success.
  • Client Focus: We emphasize the need to understand our client’s goals, needs, and wants. We believe our success is tied to our clients achieving their dreams of homeownership.
  • Integrity and Excellence: We prioritize our reputation for excellence and integrity. We believe these values are the foundation for trust with our clients and the community.
  • Engage within our Communities:  We believe strongly in understanding the communities we serve and make sure we are an integral part of our communities.

We are always thankful for the community’s trust and respect.

Our values have served us well for more than a decade. For our employees, this well-balanced atmosphere allows them to enjoy their work while delivering exemplary customer service. For our ever-growing list of loyal clients, it gives them the peace of mind that they not only receive impeccable service but also are viewed as an asset and part of a close-knit family.

Our Mission

We want you to be a customer for life.

We strive to fulfill the dream of home ownership, build lasting client relationships, and create value that stands the test of time. At Home Savings & Trust Mortgage (HSTM), we combine a positive approach with market knowledge and mortgage expertise to ensure homeowners maximize their ‘home equity’, and benefit from the monetary rewards realized with smart home financing. We are committed to providing our customers with the best customized options for them to consider when choosing a home loan. Because of this, our clients have rewarded us with their continued loyalty. We believe in working hard to gain your respect and trust so you will be a customer for life.

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




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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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