Home Loans with Hart | Expert Mortgage Solutions

Home Loans with Hart:

Expert Guidance, Real Solutions

With over 12+ years of experience, we help homebuyers and homeowners find

the best mortgage solutions with honesty, transparency, and a client-first approach.

A Mortgage Expert with Hart

A Business Built on Heart & Expertise

For over 12 years, I’ve helped homebuyers and homeowners navigate the mortgage process with confidence. I founded Harmony Home Mortgage because I saw a need for a trusted, independent mortgage broker who prioritizes personalized service over sales quotas.

Homeownership is more than just a transaction—it’s a life-changing milestone and that’s why I take a hands-on, Hart-to-Hart approach, ensuring my clients understand their options and feel confident every step of the way. Whether you’re a first-time homebuyer, a veteran, or self-employed, I’m here to help you find the right loan with ease.

Khristine Hartman

NMLS#1162063

Licensed Mortgage Professional

877-409-HART (4278)

Licensing & Credentials

Licensed in Florida, Georgia, North Carolina, South Carolina, and Michigan

NMLS ID: 1162063

Business NMLS ID: 2629625

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Proud to Serve Those Who Serve

I come from a proud military family.

My dad served.

My brother retired as a Major.

My sister and I served together stateside during Desert Storm.

Helping Veterans and active-duty military isn't just a mission—it's my duty.

Supporting those who serve runs deep in who I am.

Our Mission, Vision, and Core Values

Our Mission

At Harmony Home Mortgage, our mission is to provide stress-free, personalized mortgage solutions that empower homebuyers and homeowners to achieve their financial goals. We are committed to honesty, transparency, and expert guidance, ensuring every client feels confident in their home financing decisions.

Our Vision

We envision a future where homeownership is accessible, simple, and empowering for everyone—whether you’re a first-time homebuyer, a veteran, or an experienced investor. Through innovation, education, and a customer-first approach, we strive to redefine the mortgage experience with Hart.

Our Core Values

Integrity with Hart – We believe in full transparency and ethical lending practices.

Client-Centered Service – Every loan is tailored to meet the unique financial goals of our clients.

Empowerment Through Education – We equip homebuyers with the knowledge they need to make informed decisions.

Excellence in Execution – Fast, efficient, and reliable mortgage solutions.

Community Commitment – Giving back and supporting the communities we serve.

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What Sets Us Apart?

Personalized Loan Solutions – Every mortgage is tailored to fit your financial goals.

Faster Approvals, Better Rates – Competitive rates with a streamlined process.

Expert Guidance, Every Step of the Way – 12+ years of industry expertise.

Licensed in Multiple States – Serving FL, GA, NC, SC, and MI.

A Hartfelt Commitment – You’re not just a client, you’re part of the Harmony Home Mortgage family.

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Real Clients. Real Homes. Real Hart.

Khristine and her team made the home loan process seamless! As a first-time buyer, I had so many questions, but they guided me every step of the way. I couldn’t be happier with my new home!

Sarah Mitchell

First-Time Homebuyer

Harmony Home Mortgage provided the best financing options for my investment properties. Their quick approvals and expert advice made the process effortless. Highly recommend!

James Carter

Real Estate Investor

Being self-employed, I thought getting a mortgage would be a challenge. But Harmony Home Mortgage found the perfect loan for me with flexible options. Their expertise made all the difference!

Mark Reynolds

Self-Employed Homebuyer

Start Your Mortgage Journey with Hart

A Personal Note from Khristine Hartman

Buying a home is one of the biggest financial decisions you’ll ever make, and I know firsthand how overwhelming the mortgage process can feel.

That’s why I built Harmony Home Mortgage—to provide homebuyers with expert guidance, personalized loan options, and a stress-free experience. I believe in a Hart-to-Hart approach, where every client is treated with the honesty, transparency, and care they deserve.

If you’re thinking about buying a home, refinancing, or simply have mortgage questions, I’d love to help. Let’s find the right solution for you together.

Let’s Talk

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Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.