Welcome Home

A High Powered Mortgage Company…With a HomeTown Feel ^TM

The Element Difference

15+

Years Serving Customers

38,000+

Homebuyers Helped

8.5+

billion in home loans

Home Buying Made Easy

National lender. Local loan originators.

Apply Online
Get approved
Close your loan

Apply online

Our focus on technology bridges the gap between online and in-touch. Complete all loan application steps electronically from your preferred location, compliantly and securely.

Get approved

Our innovative technology simplifies document collection and eliminates paper processing. The Underwriter grants approval, a clear-to-close is processed and the settlement date can be scheduled.

Close your loan

Review the final loan document. Ask questions. Sign most of the documents electronically. Enjoy your new home!

Get Started Now!

The Reviews are in..

5 out of 5

Experience.com Star Rating

Sandra made this process easy and pain

Jordan Jon Bero
Knoxville, TN

5 out of 5

Experience.com Star Rating

Susie was a pleasure to work with 😊 hope to do more business with you soon! Thanks again!

Sean Mcculley
Ocoee, FL

5 out of 5

Experience.com Star Rating

Working with Ray and his team was exceptional. The level and speed of communication were first class. They answered all questions promptly and were always available with advice and guidance. They explained in layman terms each step of the process and communicated clearly what information was needed and what to do to make the loan process run smoothly. I can only highly recommend Ray and Element Home Loans.

Matthias Liebich
Peachtree City, GA

See All my Testimonials

Welcome Home

The Element Difference

Home Buying Made Easy

The Reviews are in..

5 out of 5

5 out of 5

5 out of 5

Element C.A.R.E.S.