You've had that file. The one where the lender comes back three weeks in with a denial, your buyer is devastated, and you're starting over. And this June — National Homeownership Month — it's worth remembering that roughly 17 million members of Gen Z are entering prime home-buying age right now. They are coming to San Antonio. They are going to need a Realtor. And that Realtor is going to need a mortgage partner who can actually get them to the closing table.

That is why we are proud to recognize H&M Mortgage Group as our June Partner of the Month — and why we are glad they are a true mortgage broker in the PT50 partner family.

Who They Are

H&M Mortgage Group (NMLS #261659) is a San Antonio-based mortgage brokerage founded in May 2024 by John H.P. Hudson and Robin Morton. Together, they bring nearly 60 years of combined mortgage industry experience to every transaction — and it shows.

John is known throughout the industry as the "Mortgage Geek." He has served as NAMB Government Affairs Chair, testified before the U.S. House Financial Services Committee on Dodd-Frank reform, and spent years as EVP and Head of Wholesale Lending at Mortgage Financial Services. He knows the guidelines cold and thrives on the complex files other lenders avoid.

Robin rounds out the partnership with deep expertise on the builder and new construction side — making H&M one of the few brokerages in San Antonio equally equipped for resale buyers and new home clients.

Between the two of them, there are very few loan scenarios they haven't seen — and solved.

Why It Matters This June

June is National Homeownership Month — a time to celebrate what a home truly means. Not just walls and a roof, but stability, equity, community, and generational wealth.

John has lived that story personally. He purchased his first home at 23, using homeownership as an early rung on the wealth-building ladder. That experience fuels his mission every day: to help more San Antonio families own — not rent — and to make the path there as clear and accessible as possible.

"You can't build wealth in someone else's home," John says. "Our job is to remove the barriers, find the right loan, and help Realtors close faster with more confidence."

What H&M Brings to Every Transaction

As a mortgage broker — not a banker — H&M has access to dozens of wholesale lenders, which means more options, better pricing, and creative solutions that a single lender simply cannot offer.

More options for every buyer. Conventional, FHA, VA, USDA, jumbo, DSCR investor loans, construction-to-permanent, and down payment assistance programs (including TSAHC, TDHCA, and MCC stacking) — H&M works across the full spectrum so fewer buyers fall through the cracks.

Speed that respects your timeline. With a dedicated team — including a processor, ops/disclosure coordinator, and sales intake specialist — H&M moves files with urgency and keeps all parties informed.

Compliance and expertise you can trust. From QM points-and-fees analysis to VA manual underwrites to Fannie vs. Freddie guideline comparisons, John brings a level of technical depth that protects the transaction and the client.

A partner who shows up. H&M co-markets with their Realtor partners — branded content, market graphics, educational posts, and shared tools — because their success is tied to yours.

Built for PT50 Realtors

H&M Mortgage Group is in the elite group of partners with Platinum Top 50. They are the only 100% mortgage broker aligned with this network of San Antonio's top-producing Realtors. That exclusivity is intentional. PT50 Realtors work with buyers who deserve a mortgage partner at the same level.

When you refer a buyer to H&M, you are referring them to someone who treats that client — and your reputation — like it is the most important deal of the year. Because to them, it is.

Try Them Out This Month

If you have a buyer or prospect in your pipeline right now — a first-timer unsure about affordability, a move-up buyer who needs to bridge the gap, a veteran who deserves their VA benefit, or an investor looking at a DSCR rental — reach out to H&M before you assume the deal won't work.

It just might.

Book a quick meeting with John at www.BookJohnNow.com to learn about the tools, rate access, and loan programs H&M brings to PT50 Realtors every day.

Because at the end of the day — you can't spell HOME without H&M.

H&M Mortgage Group
NMLS #2597016 hmmtg.com | jhudson@hmmtg.com
Book a meeting: www.BookJohnNow.com