About

Ready to Equip Homeowners and Homebuyers with the missing link to affordable fixer upper, improvement of every imperfect Home in America?

Perfect Home Remedy is your trusted guide and the ultimate resource to connect you and the people you care about (including seniors anywhere in America) with first… the right financial consultant for the needs of buyers and owners, because 95% of financial sources (including your bank or credit union) are clueless to the more affordable options provided by the teams at PHR.

After the right financial consultant is matched and educates you at no cost or obligation, then we can match you to Realtors or contractors as or where needed to buy or sell your home.

Discover the concept of future-value home improvement loans, which allow you to renovate without using 10’s of Thousands or equity or savings or credit card debt… learn how we can connect you with contractors to reliably and fairly price services. Explore our website and reach out to us for personalized assistance in navigating the world of homeownership. Every buyer has specific limits and needs, so this is a free professional consultation.

Introducing Tommy Hines, a seasoned mortgage originator with over 20 years of experience in the industry. With a specialization in renovation mortgages, Tommy has become a go-to expert for homeowners looking to improve their properties, even in the absence of equity or substantial savings.

Having witnessed the aftermath of the 2008 market crash, Tommy recognized the need for homeowners to have access to funds for repairs and updates, especially when their homes had lost significant value. This realization led him to delve into the world of renovation financing, where he has honed his expertise for the past 16 years.

Tommy’s mission is to empower homeowners to enhance their properties, regardless of their financial situation. He understands that not everyone has the means to save up tens of thousands of dollars for home improvements, which is why he is passionate about offering renovation refinancing and renovation purchase scenarios. Even seniors might qualify to update home and have no mortgage payment.

As a mortgage originator, Tommy goes above and beyond to connect his clients with the right professionals. Whether it’s referring them to a knowledgeable realtor who understands the intricacies of renovation or finding the perfect loan officer, Tommy ensures that his clients are in capable hands.

In every American market our Trusted financial consultants job is to fit the consumer with the most affordable funds and that local team connects you to contractors and Realtors if needed.

The PHR Teams ensure that buyers and owners have a knowledgeable advocate who can help them navigate the complexities.

Picking one of the 95% average lenders out there is everyone’s first mistake. PHR’s commitment to delivering exceptional service, has earned us a reputation as a go-to mortgage originator in the industry.

If you’re a homeowner looking to improve your property but lack equity or savings, PHR delivers the mortgage originator you need immediately. Contact PHR today and take the first step towards transforming your existing home or new home (before you contract)…. into your dream space.