DIRECT LENDER-MORTGAGE PLANNER-RESIDENTIAL-INVESTMENT-COMMERCIAL   What keeps many area homebuyers coming back to Hans Iduma? Superior service, industry know-how, and ultimately mortgage solutions specifically designed for each individual's needs. Since investment in a home is one of the most important purchases a family makes, and a home loan represents a major commitment, Hans often becomes a trusted financial advisor to the borrower. And because a person's needs and circumstances change throughout his lifetime, Hans encourages borrowers to regularly consult with him to