Simplifying the
Complex Mortgage Process
With 200+ years of collective experience, we simplify your buying process.
Specialized guidance for your first home or your 10th investment property.
Inclusive of all types of properties from single-wide manufactured homes to beachfront mansions.
Tailored support ensures the best financial outcomes.
From deal structuring to final closing stages, enjoy a stress-free journey with us.
Making the Box Fit You
Instead of Fitting You in a Box
We provide personalized financial support, exploring all options and helping you understand the best solutions.
We've got you covered for the whole process. Loan inquiries, pre-approval, home insurance quotes, closing.
We work through it with you. Whether it's early mornings, late nights, weekends, or holidays, our team is here to help.
Frequently Asked Questions
Do you offer loans in my State?
We can provide mortgage services all across the Nation, with our company currently licensed in 40 States and 14 US Territories. We are in every State and Territory except ND, SD, NY, MA, DE, RI, CT, ME, WV, NH, Puerto Rico, Guam.
Which loan is best for me?
There's a lot of factors that influence which type of loan you can apply for. Are you a first time buyer? Have you served in the military? Which area are you looking to purchase? Check out our Loan Programs page to learn about some of the loan types available. But don't worry, we will determine which loan is best suited for you!
If you'd like to get a head start on your process, click on the "Help Us Help You" menu option.
How much can I borrow?
Before you begin your home search, you'll need to know your budget. Our Resources section links to free PDF guides and you can visit our What's My Home Worth? or Helpful Calculators pages to get a rough guide. Once you get in contact with us, we can give you a full free loan estimate and run through your options with you!
How can I get my loan quickly?
We'll be in constant contact with you, so you know exactly which stage your loan is at and what we need from you. To get your loan approved as quickly as possible, streamline your paperwork! You can help us by having your tax returns, bank statements, and proof of income ready to go!
What is my Debt-to-Income ratio?
Your DTI is the percentage of your monthly gross income that goes towards paying debts. To calculate your DTI, add up all of your monthly debt payments e.g. rent/mortgage costs, car payments, student loans, medical loans, credit card payments. Then divide that number by your gross monthly income.
Decreasing your DTI, understanding how best to manage your debts - we can help you with all of that! We take care to make sure you feel confident and in control of your costs, so that you can qualify for all loan options open to you.
Reviews
They were amazing! Super easy and quick to communicate with, and got our loan finished super fast! Will definitely recommend them!
Sherrie S
Being a first time home buyer, I had a lot of questions and concerns. Cindy worked me through it all and made it very easy.
Michael F
Cindy was very easy to get a hold of and had very quick response. That ultimately is what played a significant factor in our decision to use Hancock for our refinance.
Anthony B
She was excellent and was there for us whenever we needed advice.
Marlene R
Cindy was always there for us no matter what time we call her with questions. She is such a great person thank her so much.
Raymond S
Cindy is the best!!! Always there to help to get you to your next step!!! Very kind and sweet. Would definitely recommend her to anyone looking for a home!
Arlene S
Cindy was fantastic! So attentive and helpful. It was about as smooth as possible.
Christopher C
Shout out to Cindy Regan - Hancock Mortgage for helping save this deal. If you need a lender who will get the job done, and fast, call her!
Lyndsey R
Cindy patiently took the time to answer all of our questions, explain thoroughly our options, and was quick to answer our repeated calls. We were so grateful to have Cindy on our team as we navigated our first home buying experience.
Heidi G
Cindy was responsive and a joy to communicate with. I felt that I could ask her anything at anytime and she was patient, accompanying me through the process of a first time home buyer. I would highly recommend Cindy to friends and family.
Julie C
Cindy was VERY prompt, friendly and informative. She explained every facet of our process.
Harland M
Cindy is a wealth of information, knowledge and genuine care for helping every client obtain their best financial outcome.
Sherrie S
Cindy was great. She helped us every step of the way. Closing was incredibly smooth. Even the title agent commented on how great she was to work with.
Wyatt F
Cindy made me feel at ease and was easy to talk to.
Jennifer R
Great, quick responses. Kept up to date throughout the entire process. Great communication!!
Justina S
Cindy and Todd are very down to earth and kind people that never hesitated to answer my questions. No matter how many I had. They were very patient and guided me flawlessly through the entire process. I will forever be grateful for such a stress free experience.
Carrie H
We had a great experience working with Cindy. She is very knowledgeable, and was able to answer any questions we had. Because of Cindy, we were able to get approval for a home that met needs of our large family and we are so thankful. We will definitely use Cindy for all our mortgage needs.
Brittany N
Follow up, carry out, consistent, intelligent, trustworthy, kind, guiding, competitive.
Javan D
Communication about the process great, any questions were answered in a timely manner and explanations were easy to understand. Also very friendly and felt like we were people not just another client.
Andrew A
I love Cindy! She was so sweet! She bought us a pizza and breadsticks from Dominos on our first full day at our house. So sweet! I feel like she's not just our lender now she's a friend. I really appreciate her and the underwriter Kandace. Thank you both for everything!
Melanie H
The level of knowledge Cindy has is staggering. I have worked with other loan officers before and none of them can do what she does. It's a pleasure to work with Cindy. She returns phone calls in a timely manner, her bed side manner is kind and courteous, she was always three steps ahead. I would recommend her to anyone needing a loan.
Maggie N
Cindy was always available whenever we had questions about the loan process. She made it a breeze.
Melissa H
Cindy was always available to answer any questions throughout the whole process. I would highly recommend her to anyone looking to get a home mortgage.
Justin H
Had a great team with quick communication so we could close as fast as possible.
Brittany S
She was always there to answer every question we had. She actually went above. Without her we couldn't of done this. She definitely made this process much more pleasant
Timothy M
Cindy Regan, All Rights Reserved
Cindy Regan - Originating Branch Manager - NMLS #264375
The Lending Authority Team - Hancock Mortgage -Powered by City First Mortgage Services LLC - NMLS #3117
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The Lending Authority Team powered by City First Mortgage Services is not an agency of the Federal Government, and is not acting on behalf or at the direction of HUD/FHA.
Cindy Regan, All Rights Reserved
Cindy Regan - Originating Branch Manager - NMLS #264375
The Lending Authority Team - Hancock Mortgage -Powered by City First Mortgage Services LLC - NMLS #3117
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The Lending Authority Team powered by City First Mortgage Services is not an agency of the Federal Government, and is not acting on behalf or at the direction of HUD/FHA.