Get a Great Rate on a New Mortgage

Get a Quote Apply Now

What Our Customers Say About Us

Rating

5.0

25 reviews

Write a Review

Lou was very knowledgeable and friendly during the entire process.

nicki bendesky

6 months ago

Posted on Google

Lou Escoto was amazing to work with and would happily do so again in the future. Thank Lou!

mangus x

6 months ago

Posted on Google

Lou was excellent throughout the process. He was in constant communication. Helping us with the website, answering and asking questions to reassure us ...

Lou was excellent throughout the process. He was in constant communication. Helping us with the website, answering and asking questions to reassure us along the way. Thank you, Lou.

Read more Hide

Donald Hatfield

6 months ago

Posted on Google

Lou helped us with our loan. He was speedy, easy to work with, and we appreciated his personal touch with us. We would highly recommend him to anyone ...

Lou helped us with our loan. He was speedy, easy to work with, and we appreciated his personal touch with us. We would highly recommend him to anyone we know if they needed a loan. Thanks so much for the great service.

Read more Hide

Peggy Ayers

6 months ago

Posted on Google

I had an amazing experience with Edgar. He provided guidance and honest advice. It was also great that Edgar is a Veteran like me, and he showed so mu ...

I had an amazing experience with Edgar. He provided guidance and honest advice. It was also great that Edgar is a Veteran like me, and he showed so much compassion and empathy for me. He helped me refinance my home, and I could not be more satisfied.

Read more Hide

Delise Coleman

6 months ago

Posted on Google

HCC Home Financing, Inc. is so much more than financing. It’s a place where you can feel safe knowing your best interests are protected. The broker is ...

HCC Home Financing, Inc. is so much more than financing. It’s a place where you can feel safe knowing your best interests are protected. The broker is sincere, incredibly honest, and professional. In our process, wherever there was a hiccup, the broker had a resolution. Documents were submitted quickly and efficiently without repetitive requests. Closing was done in record time. There is heart in this company.

Read more Hide

Keyoe Acosta

9 months ago

Posted on Google

This is the only broker I use. Ed has been taking care of me for years and always does a solid job. Everything is communicated well and he always come ...

This is the only broker I use. Ed has been taking care of me for years and always does a solid job. Everything is communicated well and he always comes through. I highly recommend!

Read more Hide

Kevin Nelsen

1 year ago

Posted on Google

Lou is the lender who I refer first. He has saved deals that were having difficulties that other lenders could not approve. He is very responsive and ...

Lou is the lender who I refer first. He has saved deals that were having difficulties that other lenders could not approve. He is very responsive and thorough in his dealings with clients and agents. I appreciate his work ethic!

Read more Hide

Gena Isaacson

1 year ago

Posted on Google

Lou was so helpful, patient and knowledgeable.

Tatiana Sanchez

1 year ago

Posted on Google

Lou Escoto is not your average Sr. Loan Officer! We have worked with Lou on three different loans and time and time again he is the one we trust to fi ...

Lou Escoto is not your average Sr. Loan Officer! We have worked with Lou on three different loans and time and time again he is the one we trust to find the best rate, communicate clearly, and keep everything on track! Most recently we decided to move out of state, before we even picked a realtor we called Lou. Lou's communication is impeccable (coming from a Type A who likes to be in the know), he provided timely updates and clearly communicated next steps. Always being a step ahead of me, Lou coordinated with our realtor selling our home in CA and our realtor working on the purchase of our new home in ID to ensure a smooth transition. Lou is always willing to play with number and ensure that the payment and rate fit into the exact range that I am looking for making the perfect loan and payment plan for us. Lou was with us every step of the way keeping us informed, honestly I can not imagine doing a home loan with anyone else! If you need a home loan Lou Escoto is the one you want for the job!

Read more Hide

Kelly York

1 year ago

Posted on Google

Professional and so easy to work with. Lou is thorough and attentive. This was a great experience.

Andrea Damian

1 year ago

Posted on Google

WHAT A GREAT EXPERIENCE IT WAS WORKING WITH MR. LOU ESCOTO OF HCC HOME FINANCING. IF YOU NEED ANY TYPE OF LOAN OR REFI WORK DONE, WORK WITH THIS GUY & ...

WHAT A GREAT EXPERIENCE IT WAS WORKING WITH MR. LOU ESCOTO OF HCC HOME FINANCING. IF YOU NEED ANY TYPE OF LOAN OR REFI WORK DONE, WORK WITH THIS GUY & YOU WILL NOT REGRET IT. HE TOTALLY & REALLY KNOWS HIS STUFF AND GET'S IT DONE. NOWADAYS IT'S GETTING HARDER & HARDER TO HIRE SOMEONE FOR A JOB AND YOU ALWAYS SEEM TO BE CHASING THE PERSON DOWN IN THAT THEY WON'T GET BACK TO YOU, I KNOW I'M A BUILDING CONTRACTOR AND HAVE THESE ISSUE'S ALL THE TIME, BUT NOT WITH LOU!! HE'S STAYS IN TOUCH FROM BEGINNING TO END TILL EVERYTHING IS DONE. HE'S AMAZING! ANYMORE, I JUST DIDN'T THINK THERE WAS ANYONE OUT THERE THESE DAYS THAT ACTUALLY CARED. YOU WANT A PROFESSIONAL ON YOUR SIDE CALL LOU. LIKE I SAID, YOU WON'T REGRET IT! LOCAL CONTRACTOR DON!

Read more Hide

Don Archer

2 years ago

Posted on Google

Great experience! highly recommend. Veteran who takes care of veterans! Will use Eddie for all future home purchases! Thank you so much!!

teesha12344

2 years ago

Posted on Google

Thank you Eddie for your patience and hard work. Not only did you guide us but explained the process of financing home after losing our last one to fo ...

Thank you Eddie for your patience and hard work. Not only did you guide us but explained the process of financing home after losing our last one to foreclosure. We never imagined we would ever own a home again.

Read more Hide

Janeth leon

2 years ago

Posted on Google

This is great company to work with. As a Realtor I have worked with Edgar for a while now and I'm happy to say he is a very processional and caring i ...

This is great company to work with. As a Realtor I have worked with Edgar for a while now and I'm happy to say he is a very processional and caring in how he handles my clients needs. I can also depend on him to work with my veterans loans as well as my conventional loans. Another outstanding and valuable item is that he can provide loans for my Spanish's community that have an ITIN number. I had been looking for someone honest and caring for a while and I found it with Edgar. He is always available during the process to advice and help with our needs. I highly recommend him! .

Read more Hide

Celia Halsey

2 years ago

Posted on Google

Edgar has been a pleasure to work with, very knowledgeable and attentive. He was always looking out for my best interests. Thank you for all your help ...

Edgar has been a pleasure to work with, very knowledgeable and attentive. He was always looking out for my best interests. Thank you for all your help!

Read more Hide

virginia vince

2 years ago

Posted on Google

Mr. Hernandez helped us buy our third house, he was the most professional, honest and knowledgeable we have worked with. Any time we had a question, h ...

Mr. Hernandez helped us buy our third house, he was the most professional, honest and knowledgeable we have worked with. Any time we had a question, he was just a call away and available at all times to answer our questions. I highly recommend Mr. Hernandez to anyone!

Read more Hide

Rebeca Sanchez

2 years ago

Posted on Google

Edgar was a pleasure to work with. He helped us get our home during COVID and Thanks to his knowledge and Perseverance he made it happen and now we ar ...

Edgar was a pleasure to work with. He helped us get our home during COVID and Thanks to his knowledge and Perseverance he made it happen and now we are we going on almost 3 years very happy. You are in good hands with Mr. Edgar

Read more Hide

Veronica Becerra

2 years ago

Posted on Google

Edgar is absolutely phenomenal, I have done business with him for over 10 years now. He helped me refinance my rental property and a few primary homes ...

Edgar is absolutely phenomenal, I have done business with him for over 10 years now. He helped me refinance my rental property and a few primary homes in multiple states over the years and it has always been handled in the best way possible. I love his sense of urgency and that he always makes himself available to answer any questions that might come up. He is very detail orientated and efficient, his follow ups are spot on! He is personable, genuine and really cares to make sure you get the best deal possible and that it goes smooth from start to finish. I don’t even look for mortgage companies on the market any more. I just call him directly when I need a new loan or refinance because I know it’ll be done right!

Read more Hide

Jane Yank

2 years ago

Posted on Google

Eddie did a great job at helping us find and get our dream home within 3 months of working with him. He was always on top of every question we had and ...

Eddie did a great job at helping us find and get our dream home within 3 months of working with him. He was always on top of every question we had and made the process extremely easy. Would definitely recommend him. Thank you Eddie!

Read more Hide

fernando manzo

2 years ago

Posted on Google

Excellent experience with Edgar Hernandez everything went smooth and on time like promise stress free. I was impressed on how Edgar knowledge help me ...

Excellent experience with Edgar Hernandez everything went smooth and on time like promise stress free. I was impressed on how Edgar knowledge help me get the loan I needed even though it was a challenge but his experience and knowledge in this industry is impeccable he didn’t have any problem whatsoever. If you ever need any finance service or planning on buying a home dont hesitated to contact Edgar Hernandez for his services you won’t regret it .

Read more Hide

C Fuentes

2 years ago

Posted on Google

Edgar was very patient in answering any and all questions we had. He walked us through every step of the process. Very knowledgeable and great custome ...

Edgar was very patient in answering any and all questions we had. He walked us through every step of the process. Very knowledgeable and great customer service!

Read more Hide

Jesus Gutierrez

2 years ago

Posted on Google

Mr. Hernandez is very professional and is very knowledgeable of the finance industry. He was able to boost my credit score by 45 points thus making i ...

Mr. Hernandez is very professional and is very knowledgeable of the finance industry. He was able to boost my credit score by 45 points thus making it possible to get the financing I needed.

Read more Hide

Shirley Anderson

2 years ago

Posted on Google

I worked with Edgar Hernandez a couple years ago, when refinancing my home. Edgar is personable, very knowledgeable and understanding. I'd recommend ...

I worked with Edgar Hernandez a couple years ago, when refinancing my home. Edgar is personable, very knowledgeable and understanding. I'd recommend him without a doubt, and will definitely come to him again on my next purchase. I'd give him more stars if I could, but 5 is the limit...

Read more Hide

Brenda Chavez

2 years ago

Posted on Google

Great to work with, exceeded my expectations. Helped me with every possible benefit with in a VA home loan, and most of all made it an easy and painle ...

Great to work with, exceeded my expectations. Helped me with every possible benefit with in a VA home loan, and most of all made it an easy and painless process. Thank you for all your help.

Read more Hide

jonathan sanchez

2 years ago

Posted on Google

Ready to use your VA home loan benefit?

Take the first step toward homeownership. Contact us now to explore your VA loan options and find out how we can help you buy with confidence.

Get a Free Estimate

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

Loan Programs

Here at HCC HOME FINANCING, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

Learn More

Should First-Time Buyers Consider a Lease Option?

Sep 23, 2026

Learn how a lease option works, key pros and risks, and when it may help first-time buyers move toward homeownership.

Smart Buyers Are Winning in Today's Market

Sep 16, 2026

First-time buyers can still find many opportunities today by focusing on affordable markets, inventory, and payment fit.

In a Recession Do Mortgage Rates Rise or Fall?

Sep 09, 2026

Learn how a recession impacts mortgage rates and make informed decisions for your home financing during economic downturns.

Start your Loan Application

Apply Now