H & R Mortgage

Home Financing Education With The Hat Lady

"Credit problems? We're here to help you!"

We offer a full range of educational services for...

Home Purchase

Construction Loans (Private)

Refinance Home Mortgage

Short Term Loans

First Time Home Buyers

Learn About the Home Loan Process

Self-Employed Loans (Commercial)

Special Tips

Reverse Mortgages

Credit Education

Hard Money Loans

Recruiting Services

Loan Modifications

Professional Resume Writing

What’s a Hard Money Loan?

A Hard Money Loan is a quick bridge-loan or short-term loan by private investors without using your credit score for approval. Approval is on a case-by-case basis.

We make it easy for you! just complete our online form to get help . We are the helpful mortgage people at H & R Mortgage Services, home of the “Helpful Hat Lady”.

Who is the Hat Lady? Why, Agnes Ginoba, of Course

Find out about our “Helpful Hat Lady” – Agnes Ginoba. Agnes is our President and an avid collector of hats.

With over 300 hats in her growing collection and 25 years of experience in the mortgage business, she understands that mortgages are just like hats, they need to fit you “just right”. Visit our About page to read more about Agnes, her hat collection, and H & R Mortgage Services.

Don’t forget to ask us about our Free Federal Reserve Loan Handbook.