About Us

Who We Are

Home123Mortgage is a management and sales driven group for residential mortgage lending. Home123Mortgage management group has over 100 years of experience within the real estate and real estate finance industry. Our main goal is to give our customers the best experience possible within this very complex process of residential real estate lending.

The Team

<center>Jamil Atcha</center>

Jamil Atcha

Executive VP
NMLS# 317082
<center>Danny Kirbie</center>

Danny Kirbie

National Sales Manager
<center>Julie Sengsovanthong</center>

Julie Sengsovanthong

Sales Manager
<center>Matt Smith</center>

Matt Smith

Branch Liason Manager

Other Offices

Why Work with Us

  • We understand

    All aspects of the bank statement home loan

  • We communicate

    You will always be aware of the status of your loan

  • We are a direct lender

    We fund your loan with our own money

  • No brokering the loan out to lenders

    We own the entire process

Additional Specialty Loan Products

  • Rental/Investor Loans with no income documentation. Use Rents to qualify.
  • Foreign National Loans. No income and No Fico Restrictions.
  • Major Credit Events. 1 day out BK, Foreclosure, or short sale.
  • Low Credit Scores down to 500 middle score.
  • Mortgage Lates allowed under specific programs.
  • Cash Out options available.
  • Close in an LLC or Corp.
  • Unlimited number of financed properties.
  • No Income Documentation Business Purpose loans.
  • No 4506 Tax forms and No Mortgage Insurance.
  • Fix and Flip Properties.
  • Airbnb, VRBO, Homeaway short term rentals.
  • No Reserve Requirements on certain programs.