Cheryl Hodgdon

Title: Mortgage Loan Originator
Mobile Phone: 401-749-2967
Fax: 401-753-6634
Email: chodgdon@homepointfinancial.com
NMLS#: 22996

My name is Cheryl Hodgdon. I am a Sr.Loan Officer with Home Point Financial and have been assisting clients with the purchase or refinance of their homes for the last eleven years. Home Point Financial is a direct residential mortgage lender located in Providence, RI. We are licensed in Massachusetts, Rhode Island, New Hampshire, Florida, Connecticut, Virginia and New York. We are committed to outstanding customer service and customized products. At Home Point Financial we make every effort to make sure that your financing experience is as seamless as possible.

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Top 10 Common Mortgage Mistakes

Top 10 Common Mortgage Mistakes

The Top 10 Causes of Mortgage Delays With all the paperwork, rules and regulations involved in the home buying process, sometimes mortgage delays are unavoidable. A delay is sometimes beyond our control, but more often than not, a delay in the mortgage process is...

What is Debt-to-Income Ratio?

What is Debt-to-Income Ratio?

When you apply for a mortgage, your lender will analyze your debt ratios, which are also known as your debt-to-income ratios, or DTI. Lenders calculate DTI’s to ensure you have enough income to comfortably pay for a new mortgage while still being able to pay your...

How to Get the Best Mortgage Rate

How to Get the Best Mortgage Rate

Buying a home is a huge financial commitment. Finding the right mortgage with the best mortgage rate can be a confusing process, especially for first-time homebuyers. The best way to find out what will work best for you is to ask yourself — “What can I...

Benefits of 100-Percent Home Financing

Benefits of 100-Percent Home Financing

What Is 100 Percent Home Financing? So you are thinking about buying a home, and you’re exploring your options. Most of the time, lenders want you to have a 10-20% down payment. However, is putting your hard earned money down the best option for you? A lot of...

Pros and Cons of Cash-Refinance

Pros and Cons of Cash-Refinance

What Is A Cash Refinance? A cash out refinance replaces your existing mortgage with a new home loan for more than you owe on your house. The difference goes to you in cash and you can spend it on home improvements, debt consolidation or other financial needs. This is...

Five Reasons To Refinance Your Mortgage

Five Reasons To Refinance Your Mortgage

Refinancing Can Be Good For Some Homeowners Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many reasons why homeowners refinance: lower interest rates, consolidate debt, reduce or increase your loan term, etc. It’s...

Mortgage Broker vs. Mortgage Lender

Mortgage Broker vs. Mortgage Lender

WHAT IS THE DIFFERENCE? Most people will need a mortgage to buy a home. That means not only do you need to shop for a home, you need to shop for a home loan as well. Don’t just go with the first option that you get. Being able to save even a little bit of money in...

Is It Time to Refinance?

Is It Time to Refinance?

Don’t know whether you should refinance or not? Mortgage rates are low now, but are on the rise and they are higher now then they have been in the past two years. The US Treasury is set to soon raise interest rates which means you might be paying more on your...