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What Our Customers Say About Us

Rating

5.0

26 reviews

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We are eternally thankful to have been introduced to Edgar and to have had the opportunity to have him as part of our team. Mr. Hernandez was a crucia ...

We are eternally thankful to have been introduced to Edgar and to have had the opportunity to have him as part of our team. Mr. Hernandez was a crucial component for us to acquire our house, we couldn’t have done it without him. Not only did he facilitate the process with his knowledge, professionalism and great communication but in addition to this we always felt that he had our best interests in mind. His attention to everything is something we will always remember and be grateful for. Thank you!

Rosalba Serafin

5 days ago

Posted on Google

Lou was very knowledgeable and friendly during the entire process.

Lou was very knowledgeable and friendly during the entire process.

7 months ago

Posted on Google

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

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

7 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.

Donald Hatfield

7 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.

7 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.

8 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.

10 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!

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!

1 year ago

Posted on Google

Lou was so helpful, patient and knowledgeable.

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!

1 year ago

Posted on Google

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

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

2 years 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!

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!!

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

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.

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! .

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!

3 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!

3 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

Veronica Becerra

3 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!

3 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!

3 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 .

3 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!

Jesus Gutierrez

3 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.

Shirley Anderson

3 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...

3 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.

jonathan sanchez

3 years ago

Posted on Google

Ready to use your VA home loan benefit?

Contact us today for a free consultation and see how much home you can afford with $0 down.

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.

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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.

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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!

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VA Non-Allowable Fees: What Veterans Should Know

VA Non-Allowable Fees: What Veterans Should Know

Oct 28, 2026

Learn which VA loan fees veterans cannot be charged, how the 1% rule works, and where closing cost savings can add up.

How Much Down Payment Do You Really Need?

How Much Down Payment Do You Really Need?

Oct 21, 2026

Learn how much or how little of a down payment you need to buy a home and what loan options you should consider to reach your goal.

New FHFA Loan Limits for 2027

New FHFA Loan Limits for 2027

Oct 14, 2026

Explore the new FHFA loan limits for 2027 and see how they benefit home buyers, home sellers and financing options this year.

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