Since 1986, HomeTrust Mortgage Company has been dedicated to delivering exceptional service and value to our customers. With a diverse suite of loan programs and in-house processing, underwriting, and closing teams, we provide a customer-centered mortgage experience built on consistency and reliability. 

 Our ability to adapt and thrive in changing markets is a testament to our strength, flexibility, and the trust we’ve earned from our clients. By combining the agility of a mortgage broker with the stability of a mortgage bank, we offer competitive pricing and access to some of the lowest rates in the industry. 

 In 2012, we expanded our footprint with the acquisition of Mortgage America, Inc., now operating as MortgageAmerica, further strengthening our ability to serve customers across multiple states. For over three decades, HomeTrust Mortgage Company has been a trusted industry leader, committed to helping individuals and families achieve their homeownership dreams with expertise and integrity.     

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What Clients Are Saying About Us!


Reviews
4.94
Ratings
10,704
Total Reviews
5
90.06%
4
8.71%
3
0.66%
2
0.13%
1
0.3%
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05
  • K
    Kieren B P 
    Webster - TX
    Posted on April 10th, 2025 07:55 AM
    5.0
    for
    Kim Babineaux
    Encompass
    Kim was very informative and helpful throughtout the entire process.
    Reply from
    Kim Babineaux
    April 10th, 2025 08:29 AM
    Kieren, it was an honor to participate in you buying your very first home. What an amazing accomplishment that is by yourself, and one you should be very proud of. I am happy to help you in the future once rates come down to deci...read more
  • A
    Andrew A 
    Austin - TX
    Posted on April 10th, 2025 07:29 AM
    5.0
    for
    Robert Merrell
    Encompass
    Robert was always available to answer any questions and maintained transparancy through every step of the process.
    Reply from
    Robert Merrell
    April 10th, 2025 08:25 AM
    I'm glad to hear that you appreciated the transparency and availability throughout the process. It was a pleasure assisting you. Thank you for you for being a pleasure to work with!
  • N
    Nathaniel T W 
    Baytown - TX
    Posted on April 10th, 2025 06:04 AM
    5.0
    for
    Russell Preston
    Encompass
    I'm a new home buyer that had little to no information about home loans the process or anything in between. Russell not only explain things in a very clear respectful manner but he was capable of doing this while getting me with in My monthly payment... read more
    Reply from
    Russell Preston
    April 10th, 2025 07:00 AM
    Nathan, thank you very much for allowing me the opportunity to help you achieve your goal of homeownership. It was a pleasure working with you and I look forward to crossing paths with you again in the near future. Best wishes in ...read more
  • C
    Carrie A S 
    Houston - TX
    Posted on April 8th, 2025 08:06 AM
    5.0
    for
    Russell Preston
    Encompass
    Russell and his team were very responsive to a particularly difficult situation involving a changeover of property management and trying to get HOA documents from the association. I appreciate the time and effort they dedicated to this transaction.
    Reply from
    Russell Preston
    April 8th, 2025 08:13 AM
    Thank you for the kind words Carrie. It was a pleasure helping you and wish you the very best in your beautiful new home.
  • A
    Anthony J G 
    Houston - TX
    Posted on April 8th, 2025 06:11 AM
    5.0
    for
    Mike Marshall
    Encompass
    Mr Mike Marshal has helped my family and now myself with loans to secure a home. He explains everything so throughly and what I should expect.My family and I will continue to recommend Mike to family and friends
  • A
    Ammon C F 
    Titusville - FL
    Posted on April 8th, 2025 06:10 AM
    5.0
    for
    Tracy Bardin
    Encompass
    Tracy takes professionalism to another level. She kept me informed and took all of the time in the world to answer my questions. She was very quick to reply to messages and emails. I very much appreciate all of her help and support in refinancing my... read more
    Reply from
    Tracy Bardin
    April 8th, 2025 06:32 AM
    I'm thrilled to hear that you had a positive experience with your refinancing process. It was a pleasure working with you once again!! Thank you for your kind words and for choosing Hometrust Mortgage Company.
  • J
    Jessica C T 
    Houston - TX
    Posted on April 7th, 2025 08:51 AM
    5.0
    for
    Jeff Wortham
    Encompass
    I appreciated the time taken to answer my many questions as a first-time buyer. I also thought the online app was very helpful and convenient for getting through all the document reviews.
  • R
    Reba M R 
    Santa Fe - TX
    Posted on April 7th, 2025 06:13 AM
    5.0
    for
    Scott Medsger
    Encompass
    Scott and his team made sure everything was in place for a smooth house closing. They did an excellent job of answering any questions we had about the process.
  • B
    Barry W N 
    Anderson - TX
    Posted on April 6th, 2025 01:12 PM
    5.0
    for
    James Hadley
    Encompass
    Just was a good experience
  • M
    Michael K 
    Houston - TX
    Posted on April 5th, 2025 12:59 PM
    5.0
    for
    Scott Medsger
    Encompass
    Scott was very helpful and I felt comfortable and confident working wih him.
  • M
    Michael T 
    Los Lunas - NM
    Posted on April 5th, 2025 08:34 AM
    5.0
    for
    Sydney Lukes
    Encompass
    Sydney kept us updated and communicated everything for us throughout the whole process I couldn't be happier with the service I received and the care put in to help me get my first home!
  • C
    Criselda C 
    Ingleside - TX
    Posted on April 4th, 2025 07:44 AM
    5.0
    for
    Donald Wasson
    Encompass
    Mr. Wasson, Your hard work helped us find our dream home, and we are grateful about this milestone. Thanks for your knowledge in putting all the paperwork together for us and Rachel.
  • N
    Neil D R 
    Santa Fe - TX
    Posted on April 4th, 2025 06:05 AM
    4.83
    for
    Scott Medsger
    Encompass
    Answered any questions we had, process was smooth
  • H
    Hunter P 
    Albuquerque - NM
    Posted on April 3rd, 2025 06:13 AM
    5.0
    for
    Sydney Lukes
    Encompass
    Sydney was very communicative friendly and knowledgable made the whole process easy Dealt with a few otjer lenders and she was By far the best
  • J
    Jonathan H 
    Galveston - TX
    Posted on April 1st, 2025 05:19 PM
    4.83
    for
    Scott Medsger
    Encompass
    Promp and thorough communication
  • c
    Cameron W 
    Posted on April 1st, 2025 03:53 PM
    5.0
    for
    Sheila Herring Nelson
    google
    Sheila Herring Nelson has received a review with 5.0 star rating from Cameron W
  • C
    Cameron W 
    Ellisville - Mississippi
    Posted on April 1st, 2025 03:53 PM
    5.0
    for
    Sheila Herring Nelson
    ManualUpload
    She was very helpful with everything very informative and Very helpful to route.The process was able to contact her And had no problems with communication.I would highly suggest
    Reply from
    Sheila Herring Nelson
    April 2nd, 2025 07:11 AM
    Thank you so much for allowing the DREAM TEAM to assist you in Making Your DREAM of HOME OWNERSHIP Come True!
  • M
    Max O 
    Albuquerque - NM
    Posted on April 1st, 2025 02:48 PM
    5.0
    for
    Chris Hood
    Encompass
    Chris was very communicative and always made sure we understood what was going on every step of the way. Chris was very prompt at responding to emails and moving the process along.
    Reply from
    Chris Hood
    April 2nd, 2025 02:14 PM
    Max, thank you so much for your review. I am so thrilled to help you and Amy purchase your first home.
  • R
    Roberto P 
    Dumas - TX
    Posted on April 1st, 2025 11:52 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Muy contento muy buena experiencia
  • M
    Martha M S 
    Albuquerque - NM
    Posted on April 1st, 2025 09:45 AM
    5.0
    for
    Robert Key
    Encompass
    Robert is very personable and answered our questions. We liked getting the timeline.
    Reply from
    Robert Key
    April 3rd, 2025 08:13 AM
    I'm glad to hear that you found the timeline helpful and that I could address your questions. I enjoyed working with you and Kelly. Congratulations on your new home!
  • A
    Amy C 
    Albuquerque - NM
    Posted on April 1st, 2025 08:51 AM
    5.0
    for
    Chris Hood
    Encompass
    Chris was extremely communicative and responsive. He walked us through our first home buying experience and explained every step. We couldn't be happier with the information we received and how quickly we were able to communicate.
    Reply from
    Chris Hood
    April 2nd, 2025 02:15 PM
    Amy, thank you so much for your review. I can't thank you and Max enough for letting me and my team play our part in helping you purchase your first home.
  • D
    Dennis M 
    Amarillo - TX
    Posted on April 1st, 2025 06:30 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Tim is very helpful knowledgeable and will answer you day or night
  • S
    Sara E 
    La Grange - TX
    Posted on April 1st, 2025 06:29 AM
    5.0
    for
    Donald Wasson
    Encompass
    Don is always pushing us and everyone involved (in a friendly way) to get everything complete for closing, we have used him to purchase multiple properties and have never been disappointed.
  • D
    Devon A D 
    Albuquerque - NM
    Posted on April 1st, 2025 06:04 AM
    5.0
    for
    Robert Key
    Encompass
    Robert and his team were informative and had great communication during the process!
    Reply from
    Robert Key
    April 3rd, 2025 08:16 AM
    Thanks Devon for your great review! I'm glad you finally found the perfect home. Thank you for allowing us to work with you on the mortgage and I'm available if you have any questions in the future.
  • K
    Korrie M T 
    Anderson - TX
    Posted on April 1st, 2025 06:02 AM
    5.0
    for
    James Hadley
    Encompass
    James is friendly and personable
  • J
    Jacques C 
    Hutto - TX
    Posted on March 31st, 2025 06:11 PM
    5.0
    for
    Robert Merrell
    Encompass
    Robert was fantastic. He went out of his way to find us the best possible deal and worked hard for us throughout. He was always there to answ any questions we had regardless of the time or day. He even met us at our closing to congratulate us and gave... read more
    Reply from
    Robert Merrell
    April 6th, 2025 04:03 AM
    I'm thrilled to hear that you had such a positive experience, Jacques. It was a pleasure working with you to find the best possible deal. I'm glad I could assist with your questions and be there to celebrate your closing. Thank yo...read more
  • J
    Jennifer V S 
    Albuquerque - NM
    Posted on March 31st, 2025 12:45 PM
    5.0
    for
    Chris Hood
    Encompass
    Chris was always available whenever we had questions and was very thorough and clear with his answers. We felt he was honest and vety knowledgeable.
    Reply from
    Chris Hood
    April 2nd, 2025 02:15 PM
    Jennifer, thank you so much for your kind review. I am very excited for and Nick, and your entire family on your move back to the states and to Albuquerque.
  • C
    Christopher E 
    La Grange - TX
    Posted on March 31st, 2025 06:55 AM
    5.0
    for
    Donald Wasson
    Encompass
    Don was great
  • T
    Tyler G 
    Albuquerque - NM
    Posted on March 29th, 2025 03:05 PM
    5.0
    for
    Gene Scanlon
    Encompass
    Gene was absolutely amazing. From answering all our questions to checking in to make sure we were ok. It was an amazing experience working with Gene and will be recommending him to all my friends.
  • O
    Omar H 
    Posted on March 29th, 2025 08:38 AM
    5.0
    for
    Timothy Futrell
    google
    Timothy Futrell has received a review with 5.0 star rating from Omar H
  • O
    Omar H H 
    Amarillo - TX
    Posted on March 29th, 2025 08:38 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Great advice and upfront about everything
  • W
    Williams T 
    Posted on March 29th, 2025 05:33 AM
    5.0
    for
    Morgan Smith
    facebook
    ""Sherry was very professional" Outstanding customer service, went out of her way to make sure my clients got the best loan product at the cost effective deal possible; explained, answered all questions when needed. Will always recommend Sherry!!"
  • J
    Jacqueline G 
    Amarillo - TX
    Posted on March 28th, 2025 07:50 AM
    4.5
    for
    Timothy Futrell
    Encompass
    Not at this time
  • T
    Tina H 
    Buffalo - TX
    Posted on March 28th, 2025 06:44 AM
    5.0
    for
    Chuck Lynn
    Encompass
    Chuck and Hometrust Mortgage were so easy to work with and made our home buying experience great!
  • R
    Rhonda R 
    Posted on March 28th, 2025 06:33 AM
    5.0
    for
    Clear Lake
    google
    Russell Preston is absolutely the best at his job, I have used Russell several times and he has never disappointed me, I would recommend him to anyone. Very knowledgeable of his job, friendly and helpful.
  • R
    Rhonda K R 
    Deer Park - TX
    Posted on March 28th, 2025 06:12 AM
    5.0
    for
    Russell Preston
    Encompass
    Russell makes the experience so easy and friendly, I enjoyed working with him, he is very helpful and knowlegeable of his job and I will recommend him to anyone that needs financing in the future. Rhonda Rogers
    Reply from
    Russell Preston
    March 28th, 2025 07:06 AM
    Thank you for the kind words Rhonda. I hope you all enjoy your beautiful new home and look forward to meeting up with you again soon.
  • K
    Kayla L M 
    Albuquerque - NM
    Posted on March 28th, 2025 06:05 AM
    5.0
    for
    Joshua Hood
    Encompass
    Josh was very kind, knowledgeable, and quick to answer any questions we had. We appreciate his diligence and positive demeanor and would recommend him to anyone needing assistance.
  • J
    Janice S 
    Huffman - TX
    Posted on March 27th, 2025 08:19 AM
    5.0
    for
    Chuck Lynn
    Encompass
    Chuck made the whole experience easy ...he is a delight to work with.
  • H
    Hunter J H 
    Lucedale - MS
    Posted on March 27th, 2025 07:46 AM
    5.0
    for
    Tracy Schruck
    Encompass
    Tracy was a great loan agent and continued great service even when my loan agent left the company in the middle of the process
    Reply from
    Tracy Schruck
    March 27th, 2025 08:13 AM
    Thank you! It was my pleasure.
  • J
    Julio P 
    Posted on March 27th, 2025 07:45 AM
    5.0
    for
    Timothy Futrell
    google
    Timothy Futrell has received a review with 5.0 star rating from Julio P




  • "Chris was amazing to work with. He really took the time to explain things to us and help us through the home buying process. As first time home buyers it made everything so much less stressful. We appreciate everything he has done for us!"
    - Chris H 
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