Rick Veale - Your Commercial and Residential Loan Specialist

To achieve our dreams of owning a home or a business, we need capital. From the simplest conventional home mortgage to sophisticated commercial real estate transactions, HLS is the answer. We are your source for home, commercial, and construction loans of every variety tailored to fit your personal budget or business plan needs. Certainly our rates are the lowest that can be found, but our clients get much more than a great rate. They get the satisfaction that their loan has been designed to fit them today and in the future.

Check mark Use one of our simple loan application options to

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Business Investing?

Put your entrepreneurial vision in gear. Use this FREE self-help tool to determine the commercial loan program that is the perfect solution to meet your capital funding needs.