Home savings & trust mortgage (HSTM) is a locally owned and operated residential mortgage Company based in Fairfax. Virginia for more than 18 years. HSTM has funded over 2 billion dollars in residential loans and is a stable resource in financing options for your home. OUR internal on site underwriting. Processing and closing departments allow US the ability to issue a commitment to OUR customers in AS little AS 30 minutes guaranteeing a very high degree of customer satisfaction with accuracy and speed.