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Meet Jeff Hohman, a trusted mortgage lender with a passion for helping his clients achieve their home buying goals. Jeff is a seasoned professional who understands the complexities of the mortgage process and is dedicated to making it as seamless and stress-free as possible.

What sets Jeff apart is his unwavering commitment to honesty, transparency, and efficiency. He believes in educating his clients and keeping them informed every step of the way, so they can make informed decisions about their financial future. Whether you're a first-time home buyer or a seasoned property owner, Jeff's knowledge and expertise will guide you through the process with ease.

When he's not helping clients secure their dream homes, Jeff can be found enjoying the great outdoors with his two sons. An avid skier and mountain biker, Jeff is a true lover of adventure and embraces the challenge of new experiences.

So if you're looking for a mortgage lender who values honesty, transparency, and efficiency, look no further than Jeff Hohman. With his expertise, dedication, and passion for his clients, he's the perfect partner to help you achieve your home-buying goals.

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What's New?

Pre-Approval in 2023: What You Need To Know

By Jeffrey Hohman | January 19, 2023
Pre-Approval in 2023: What You Need To Know Simplifying The MarketOne of the first steps in your homebuying journey is getting pre-approved. To understand why it’s such an important step, you need to understand what pre-approval is and what it does for you. Business Insider explains:

Have Home Values Hit Bottom?

By Jeffrey Hohman | January 18, 2023
Have Home Values Hit Bottom? Simplifying The MarketWhether you’re already a homeowner or you’re looking to become one, the recent headlines about home prices may leave you with more questions than answers. News stories are talking about home prices falling, and that’s raising concerns about a repeat of what happened to prices in the crash in 2008.

Think Twice Before Waiting for 3% Mortgage Rates

By Jeffrey Hohman | January 17, 2023
Think Twice Before Waiting for 3% Mortgage Rates Simplifying The MarketLast year, the Federal Reserve took action to try to bring down inflation. In response to those efforts, mortgage rates jumped up rapidly from the record lows we saw in 2021, peaking at just over 7% last October. Hopeful buyers experienced a hit to their purchasing power as a result, and some decided to press pause on their plans.

What Past Recessions Tell Us About the Housing Market

By Jeffrey Hohman | January 16, 2023
What Past Recessions Tell Us About the Housing Market Simplifying The MarketIt doesn’t matter if you’re someone who closely follows the economy or not, chances are you’ve heard whispers of an upcoming recession. Economic conditions are determined by a broad range of factors, so rather than explaining them each in depth, let’s lean on the experts and what history tells us to see what could lie ahead. As Greg McBride, Chief Financial Analyst at Bankrate, says:

Key Terms To Know When Buying a Home [INFOGRAPHIC]

By Jeffrey Hohman | January 13, 2023
Key Terms To Know When Buying a Home [INFOGRAPHIC] Simplifying The MarketKey Terms To Know When Buying a Home [INFOGRAPHIC] | Simplifying The Market

Is It Time To Sell Your Second Home?

By Jeffrey Hohman | January 12, 2023
Is It Time To Sell Your Second Home? Simplifying The MarketDuring the pandemic, second homes became popular because of the rise in work-from-home flexibility. That’s because owning a second home, especially in the luxury market, allowed those homeowners to spend more time in their favorite places or with different home features. Keep in mind, a luxury home isn’t only defined by price. In a recent article, Investopedia shares additional factors that push a home into this category: location, such as a home on the water or in a desirable city, and features, the things that make the home itself feel luxurious.

Today’s Housing Market Is Nothing Like 15 Years Ago

By Jeffrey Hohman | January 11, 2023
Today’s Housing Market Is Nothing Like 15 Years Ago Simplifying The MarketThere’s no doubt today’s housing market is very different than the frenzied one from the past couple of years. In the second half of 2022, there was a dramatic shift in real estate, and it caused many people to make comparisons to the 2008 housing crisis. While there may be a few similarities, when looking at key variables now compared to the last housing cycle, there are significant differences.

The Truth About Negative Home Equity Headlines

By Jeffrey Hohman | January 10, 2023
The Truth About Negative Home Equity Headlines Simplifying The MarketHome equity has been a hot topic in real estate news lately. And if you’ve been following along, you may have heard there’s a growing number of homeowners with negative equity. But don’t let those headlines scare you.

What Experts Are Saying About the 2023 Housing Market

By Jeffrey Hohman | January 9, 2023
What Experts Are Saying About the 2023 Housing Market Simplifying The MarketIf you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market this year. In 2022, the market underwent a major shift as economic uncertainty and higher mortgage rates reduced buyer demand, slowed the pace of home sales, and moderated home prices. But what about 2023?

[:en]Your Market Knowledge Will Determine Your Success in 2023 [LIVE WEBINAR][:]

By Jeffrey Hohman | January 7, 2023
[:en]Your Market Knowledge Will Determine Your Success in 2023 [LIVE WEBINAR][:] Simplifying The Market[:en]Your Market Knowledge Will Determine Your Success in 2023 [LIVE WEBINAR] | Keeping Current Matters[:]

Testimonials

They answered all my questions with quick responses letting me know and breaking it down to my level of understanding. Thanks Jeff.

- Donny A.

★★★★★

Great friendly service. Their team took care of all my needs! 10/10 Would recommend!

- Alejandra G.

★★★★★

Easy to work with, quick to respond, fast to close Jeff and his team were kind and knowledgeable. They took us through the steps without any bumps and we closed early. I will recommend them to everyone.

- Krista and Scott

★★★★★

Amazing. Hey guys, this is the second house I have purchased, I was unsure about going through the process again because I remember how hectic it was with my first lender. I reached out to Jeff and his team for the loan on this purchase and it’s an understatement if I were to say how pain free this was. Jeff and his team were able to get my loan done in 21 days, I didn’t have the headache of having to gather a bunch of paper work to get it completed. They did such an amazing job. I would recommend Jeff and Emerge financial to whoever is ready to purchase a home and want to remain stress free.

- Cesar D. C.

★★★★★

Lending starts and ends with Jeff I’ve bought two homes. Used Jeff and his team for the second loan and he was excellent to work with. Already referred him to family members who are buying and refinancing and he’s doing great work for them as well. He is a problem solver who goes above and beyond to get you what you need. I could not have asked for better service.

- Daryl H.

★★★★★

From start to finish, Jeffrey was upfront, honest, available, and a true team player. When my previous lender was a no call no show, Jeff immediately stepped in and helped close the deal. Jeff was patient with me during the process of locking a rate and thankfully, I locked an awesome rate! Closing costs were reasonable and lower than expected. So glad that my home loan process was smooth and stress-free despite Covid-19 and the time crunch we were in. Thank you Jeff for coming to the rescue, answering all my questions, and making this happen!

- Maria C.

★★★★★

Professional, Knowledgeable, Highly Recommended, Great Experience. We Highly Recommend Jeffrey Michael Hohman, he is honest, professional, approachable and provides excellent customer service. he answered every question and explained them clearly. he was with us every step of the way and was always available to answer our questions. buying a home and getting approved can be very challenging, but he made it as painless, hassle free and straightforward as possible. we highly recommended Jeffrey and his company.

- tony encino7 from Zillow

★★★★★

Best experience I could have asked for. If I could give Jeff an 11/10, I would. From beginning to end, he made refinancing our home such a smooth process and saved us a ton on our mortgage.

- Susanna M.

★★★★★

Jeff goes above and beyond! When I first contacted Jeff I was interested in renting a home. Buying a home was some far fetched dream of mine that I never thought would happen. Not only did he help me get approved for my home loan but he also helped me find ways to come up with my down payment. At the time we had a horrible landlord that was giving us grief and harassing us. He helped us get her off our back and she stopped the harassing. It’s been over a year since I bought my home and Jeff still answers my call and helps with anything we’re not sure how to handle. I highly recommend Jeff if your looking for top of the line customer service and a master in his field!

- caitymiller24 from Zillow

★★★★★

Jeff is a good guy he will go the extra mile for you he’s very knowledgeable really responsive he’s not just in it to make money he’s there to help you get a good deal unlike some other mortgage lenders he’s a really great guy and I appreciate everything he has done for me and helping me get my house. Thought it was pretty cool of him when he offered to help me paint my house so the bank would approve the loan he’s a great guy look no further cus he’s your man.

- Jared Curtis

★★★★★

Extremely Helpful Jeff was extremely helpful and responsive, as a self employed person my loan was not so easy to obtain, He really made a difference. He answered my calls promptly and was there at all times.

- odobrovic from Zillow

★★★★★

The Best there is! Jeff assisted me in purchasing my first home & refinancing for a better rate when I was ready. He ensured I knew the ins & outs of the process & answered all my questions along the way. Jeff is very personable & HE CARES!!!! He would answer my phone calls at 10pm when I had questions or didn't undetstand something. Jeff helped me make the best investment for my family & I would never consider going with anyone else. He will get my business every single time!!

- Tiffany Bennett

★★★★★