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Specializing in Investor DSCR Programs

Built for real estate investors. Qualify based on rental income, not personal income.

Get Pre-Approved Before You Start Looking

Know exactly what you can afford — before you fall in love with a home.

Get a clear budget based on your financials
Show sellers you’re serious and ready to buy
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Hey, I'm Hoodie Makki

Senior Loan Officer/Broker Owner

Hoodie has been in the mortgage industry for over 26 years, leading the market in FHA financing and specializing in working with first time home buyers. Hoodie has received numerous awards for production and customer service from the financial institutions he has worked with. He has experienced the ups and downs of the real estate industry fighting his way to help make people's dreams of home ownership come true, no matter what the economic conditions. With a degree in Business Management from Madonna University, let Hoodie's education, organization, and experience go to work for you. Direct Home Loans offers a range of financial products including, FHA, VA, Conventional, and Investment property financing.

Smooth and Quick Closing

We push for loan approval in 14 days or less. We handle the details upfront and use smart systems to keep things moving.

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Helping You Purchase Your Dream Home

Get Pre-Approved

Assess your purchasing potential to accurately gauge what you can afford, ensuring you're ready to make an offer as soon as you discover your

ideal home.

Benefits

Secure Competitive Financing

Understand Your Financial

Range

Get Pre-Approved

Quick Closing

We simplify the entire mortgage

journey from application to closing, ensuring transparent communication

and utilizing cutting-edge

technology.

Benefits

Streamlined Process, Reduced Stress

Faster Move-in Timeline

Fund Your Dream House

Get Pre-Approved

We'll search across our extensive network of lenders to secure a competitive rate, minimal fees, and the ideal loan program tailored to your home financing requirements.

Benefits

Achieve the Best Loan Terms

Explore Diverse Financing Solutions

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The Direct Home Loans LLC Advantage

Local Expertise

We are deeply familiar with the local market and community, providing you with insights and support that only locals can offer.

Exceptional Service

We pride ourselves on surpassing expectations through seamless communication and exceptional customer care.

Advanced Technology

Leveraging the latest digital tools, we offer secure mobile applications for document uploads and more, with traditional options also available.

Quick Processing

Our goal is to expedite your loan process efficiently, equipped to handle any unexpected challenges that come our way.

The answers to all your mortgage questions...

Do I need to save for a 20% down payment?

No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

Are Pre-Qualification and Pre-Approval the same thing?

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

What's the difference between an adjustable and a fixed rate mortgage?

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

What is Private Mortgage Insurance (PMI)?

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Can I access my home equity before I finish paying off my loan?

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

What do I do if I can't afford my mortgage payment anymore?

The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.