COMPANY INFORMATION Welcome to Homeowners Asset Group, LLC, a truly unique consumer finance and real estate investment company dedicated to personal service and venture capital.
- Development - Founded in 1981, Homeowners Asset Group, LLC offers extensive land development capabilities, including the development of office, retail, industrial, and residential properties. HAG provides premier locations, innovative design, and long-range planning. HAG is a master at developing stimulating environments that endure the test of time. Their reputation for quality has been achieved through great attention to detail and service. - Professional Services - HAG's experienced executives offer depth of experience, professional credentials, and knowledgeable service. But what distinguishes HAG's staff is their willingness to help. It's not just their quick response; it is a partnership mentality where your success is their success. HAG offers a wide range of professional services that include the following: development; sales and leasing; property management; real estate finance; site selection; appraisal; construction; and insurance. - Stability - HAG has been a major player in Southeastern real estate since 1981. Over the years, wise planning and a conservative management philosophy have enabled HAG to create ongoing opportunities regardless of market conditions. In the changing real estate industry, HAG's strength and durability is extraordinary. And the HAG portfolio will continue to be a respected one in real estate into the next century. - Master Planning - From zoning to full occupancy, HAG has the expertise it takes to handle a complex project and the experience to provide superior service. Because HAG takes such pains to study future growth trends, their developments set the standards. Every element of a plan reflects attention to detail; every aspect of a design mirrors a specific need of the market. - Land Resources - Resources and a vision for the future have contributed significantly to Boyle's reputation. The location of HAG sites and the inventory of land demonstrate HAG's dominant position in the region. Whatever your needs, HAG can offer strategic sites that have the demographics you want and the accessibility that is so essential. - Human Resources - Land is important. But people are a precious resource. The vast majority of HAG's hundred-plus employees have been with the company more than 15 years, a rare phenomenon in today's real estate industry. They are seasoned experts who have earned the ultimate professional designation in their fields; People who take pride in providing superior services. Homeowners Asset Group, LLC is a wholly owned subsidiary of Greenburg International. HAG’s President and CEO is Merrill W. Osborne. Mr. Osborne and his family have been in the consumer finance industry for over 30 years. Prior to joining Homeowners Asset Group, Mr. Osborne was the President and CEO of Millennium Securities Group. HAG’s Athens office is managed by a team of seasoned real estate professionals. The office is managed by Hines Keller who previously served as managing director of The City of Indianapolis and executive vice president of Tramwell Dow Company. Howard’s primary area of expertise is office real estate, and at Tramwell Dow he was responsible for 800,000 square feet of development, including headquarters for several Indiana based companies. Bill Fawcett, who also was previously with Tramwell Dow, is the retail real estate expert in HAG’s Athens office. Fawcett has completed more than 1.3 million square feet of development throughout the state of Georgia and approximately $80 million of shopping center acquisitions/dispositions. Homeowners Asset Group, LLC Athens, Georgia 30601 (706) 548-4010 An Equal Opportunity Employer Copyright 2009 Homeowners Asset Group, LLC |
CONSUMER FINANCING Homeowners Asset Group (HAG) is a niche portfolio lender that provides "non-standard" residential and commercial mortgage loans. With our help, many of our customers are able to obtain mortgage loans that don’t fit the conventional and secondary mortgage market criteria. In other words, "loans outside the box". At HAG, we provide a high level of personal service to fit our customer’s specific needs. This unique combination of products and personal service makes us different from other lenders. In an industry where companies come and go, HAG and its family of companies have been here for over twenty-five years, riding out the ups and downs of the real estate and financial markets, providing residential and commercial borrowers with mortgage loans that suit their individual needs. Homeowners Asset Group places emphasis on integrity and personalized service. We offer personal loans, home equity loans and secured direct loans at competitive rates to qualified borrowers. The Company also works with each direct loan customer to help them better understand their credit, and to help them reduce their dependence on revolving debt. We specialize in solving the real-world problems that other mass-market lenders choose to avoid. Loans that, for one reason or another, do not fit inside standard mortgage qualification criteria. In other words: “Loans Outside the Box." Zoning or Condition of the Collateral Property Most lenders require the property to match the current zoning. For example a Single Family Residence (SFR) located in a residential area. If you have a SFR located in a commercial zone, we will consider the application based on the properties legal non conforming status. If your lender requires repairs to be completed before they will approve your loan, we may be able to provide an option? Let us fund a loan to do the repairs? We will consider property in an average or below average condition and let you repair the property with the loan proceeds.
Not every applicant is a wage earner and some sources of income and documentation require alternative methods of confirmation. At HAG we will customize the process to fit your specific type and source of income.
We want to give you every opportunity to get a loan. If you have had credit problems in the past or currently we will try to find a loan that works for you.
Most lenders require a minimum number of accounts open in your name to get credit. At Budget we will consider traditional and non-traditional credit to get you approved.
Even if you are still in Bankruptcy or have recently completed your plan, we may be able to make you a loan. We don’t require you to want 6 months or more to get credit.
Assets and no cash? If you are the Personal Representative of a probate estate and your assets are non liquid, like it real estate, we make be able to provide liquidity to cover the costs and expenses of administration.
We employ flexible underwriting standards that consider the specific needs of each customer, utilizing the best technology available while providing a high level of professionalism and personal service unsurpassed in the industry.
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