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    Home Loan Programs
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The Best Mortgage Lenders

Horizon Lending Services, LLC

Welcome to Horizon Lending Services, LLC. If you are in pursuit of a home loan, Horizon Lending Services, LLC offers a vast array of lending options that will best suit your needs. We take pride in our ability to maintain excellent customer service while striving to make your home buying or lending experience as seamless as possible.

Horizon Lending Services, LLC has a family of experienced and reputable lending professionals who provide incomparable service for first-time home buyers as well as recurring buyers or those looking to refinance. Our team of mortgage experts provide services aimed in helping borrowers find the best solution for their home financing needs. We also offer an exceptional and personalized experience on a client to client basis, with only the best solution for you in mind.

In addition, Horizon Lending Services, LLC offers competitive rates with a varied line of residential mortgage products and financial solutions. These mortgage products include:

Horizon Lending Services, LLC
Conventional Mortgages

Conventional Loans

Conventional loans may be issued by banks, private lenders or credit unions. Conventional loans are not backed by the federal government like FHA...

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When someone gets into credit trouble, it’s usually because of an event they had no control over such as an illness or death in the family.

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FHA Home Loans

FHA Home Loans

The FHA home loan program is one of the most well-known mortgage programs in the United States. The Federal Housing Authority (FHA) will not lend money...

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Jumbo Loans

Jumbo Loans

A jumbo loan is a home loan greater than the conforming loan ceiling. These ceilings are enforced by the Fannie Mae and Freddie Mac programs.

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FHA Streamline loans

FHA Streamline Loans

For existing FHA mortgage loans, the FHA streamline Refinance program is the most common, quickest and easiest way to refinance your home loan.

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VA Loans

VA Loans

The VA Loan guarantee program was employed in 1944. This program aided the returning men coming home from war afford a home. This program is still very popular.

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Horizon Lending Services, LLC provides loan processing, appraisal services, and on-site underwriting while going above and beyond to ensure all clients obtain a positive lending experience.

Home Loans

Purchasing a home is one of the biggest decisions and investments a person will make in their lifetime. Horizon Lending Services, LLC wants to turn the home of your dreams into reality by making the loan process less frightening. Most often, buyers must take out a loan when purchasing a home. During this loan process, it is very important for you to fully understand what type of loan you are responsible for and how you will be paying for it over time. Horizon Lending Services, LLC specializes in Conventional loans, fixed and adjustable rate loans, FHA and VA, Jumbo Loans, permanent construction financing, refinancing options, and relocation programs. Selecting which type of loan best suits you will be contingent on your individual needs, circumstance, and goals for your future. Horizon Lending Services, LLC will help educate you of the multiple loan options available, so you can then make an informed decision on the best possible loan that is right for you.

Home Loan Programs

First-Time Home Buyer Loan

Buying a home can be very overwhelming and confusing process. Gathering documents required for potential home buyers and especially first-time home buyers can be extremely time consuming. If you are going to purchase a home with a mortgage or refinance your present mortgage, the buyer will be obligated to sign disclosures and fill out an application to begin the process. In addition to the application, the client will be required to present accurate and correct credit history, bank statements, and employment history. After all documents are collected, the lender will be able to accurately determine which type of loan you qualify for and how much you can afford to borrow. Horizon Lending Services, LLC will strive to make the mortgage lending process as streamlined and pain free as possible.

Buying a Home

Types of Home Loans

Horizon Lending Services, LLC is committed to making your home buying experience as comfortable and informative as possible. We understand our clients have many options when choosing how to finance their new home or refinance an existing mortgage. Our licensed professionals are here to guide and educate our clients, and answer any questions they may have. Horizon Lending Services, LLC specializes in all categories from Conventional mortgages to FHA loans. We encourage you to read and educate yourself about each type of loan program available. Contact our trusted loan officers at Horizon Lending Services, LLC to help explain and guide you through the mortgage process while aiding you in choosing the best loan program for you and your family.

Home Loan Programs
  • Went to closing yesterday as scheduled. Just wanted to say that I wholeheartedly thank you all for helping me to be approved for the VA home mortgage loan. Your professionalism and excellent service is well appreciated! Mom and I are very happy.
    M Bount
  • Just Wow - After many a NO due to our short sale, we were very disenchanted with the whole process. We so appreciate your efforts and strong work for my husband and I . You are on our A list
    Tony and Ella R
  • Hi Pat and Sharon. Thanks so much with your help. I realllllly appreciate it! You have no idea how much I appreciate it! It took me 15 months to get to this point. Know I truly know what it means when people say never quit.
    John H
  • My wife Ally and I would like to thank you two for all of the work you did for us. You made the process seem a lot easier, and we really appreciate everything you did. If anyone wants I referral, I will be giving them your name, and we'll be using you again in the future whenever we are looking for another place. Thank you so much guys.
    Jeffrey W
  • It has been a Long road and long wait--not just for this loan but we've been married 23 years and this is our first home-it was time! Praise The Lord! Thank you thank you thank you-I just don't know if we could have done it without your diligence. You are amazing. Please please keep in touch with us.
    Bless u and urs!!!
  • Praise The Lord Pat--man we can't say thank you enough. It feels great and we thank you and Sharon for everything you have done. We feel truly blessed. You guys hung in there for us and we are grateful.
    Servant of the Most High God,
    Joe B
  • Cannot express our gratitude enough to both of you. We have been blown away with your service and commitment to seeing we closed early. Thank you
    Victor V and family
  • I'll definitely recommend you guys to other people! You've been awesome.
    Joseph V
  • Pat and Sharon, Thank you so much in helping me get my house!!!! Yall were always there for me!!! I knew if i had a problem I would always call and it got done from day 1 to the closing!!!! Thanks again!!!!
    Your friend Gary
  • Thank you so much for all your work! You have been so nice to work with and made everything so easy!
    Now we have the keys….now its time to remodel! J
    Thank you!
    Allisyn and Mark
  • Sharon & Pat – We have dealt with many mortgage professionals before and have never had service like you have given us. Though we were difficult and nervous, you were there and always took my calls no matter what time of the day it was. We are here, moved in and feel so blessed. Thank you again for all you did. Hopefully we can share your information and return the blessing that you have given us.
    Bill & Louise H
  • After a year and your helping with our credit, I still cannot believe we are in our home. We love Little Elm and look forward to the summer with the kids. Thank you so much. No one would help us and you did. We can never repay what you have done for our family.
    Tiffany and Scott R.
  • Dear Pat & Sharon::
    Thank you so much for your assistance in helping me get a new home. Beautiful Blessings to you and your family.
    LaVera Patterson
  • We just received your gift and we love it. That was really thoughtful of you and we appreciate it so much. Pictures to follow after all the updating and painting is done. (Before and after) Thank you again and have a great day!! Can't believe how easy this was.
    Tammy M
  • I will miss working with you. You and Pat have been wonderful. How did I get to have you on board? We have never had such service and promptness - ever !! Thank you so much.
    Kay -
  • "Just wanted to express my sincere thanks first for the lovely gift and for all the work you guys did. I don't know how to express my gratitude to you Pat and Sharon and to you Robin.
    Thank you very much for all you did. I wish you guys the best during the holidays!"
  • "Thank you so much, Sharon and Pat, for everything, for walking me through the steps and for getting us a rate we were pleased with. Stan is at the new home now starting to get it ready. I won't be there for a couple of months as my focus is on preparing this house for sale in February. So it all seems like a fantasy. I've only been in the new house for maybe an hour, the day I made the offer. Surreal."
    Judy A.
  • Dear Sharon and Pat,
    We have received your greeting card and the sweet treat for a few days. You are very thoughtful and sweet. Thanks again for all your hard efforts in helping us in the recent purchase. Could not have happened without you.
    Happy Holidays!
    Eunice & Edwin
  • "Thank you again Sharon and Pat for your unbelievable efforts in getting me closed. Though others tried, you succeeded. I will be forever grateful. Thank you so much."
    Jeff D
  • "You guys are a life saver, thank you. If you ever need a referral, I am your man. Thank you !!"
    Luis P
  • “Sharon & Pat – we cannot say thank you enough. Not only did you get us closed on time – you got us closed, even with our credit and new jobs and that was not an easy task. We are so happy and pleased with you and your awesome team. We thank you and our dogs thank you.”
    Monica R
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