Robust Product Offering

Conventional Home Loan
  • Purchase or Refinance
  • 1-4 Unit Primary Residence
    • 3.0% Minimum Down Payment for first time home buyers; 5% down minimum for other
    • Funds may be gifted | Seller Assist allowed
  • 2nd/Vacation homes
    • 10% down minimum | Funds may be gifted | Seller Assist allowed
  • Investment properties
    • 15% down minimum for 1 unit homes | 25% down min for 2-4 unit homes
    • Seller assist allowed up to 2%
  • Fixed and ARM Loans Available | No Income Limits
Makeover Mortgage Renovation Loans

FHA 203 (k) 

  • 3.5% minimum down payment requirement 
  • Upfront mortgage insurance premiums financed into loan
  • Monthly mortgage insurance premium 
  • Existing homes eligible
  • Seller concessions up to 6% of sales price 
  • Condominiums may be eligible, must be on FHA approved list or FHA single unit spot approval
  • No income limits 
  • No minimum on renovation costs 
  • Gifts allowed

Home Style 

  • Owner occupant, second homes and investment properties
  • Condos, one to four units allowed 
  • Renovations costs up to 50% of the after improved value
  • Incomplete properties when the builder went out of business allowed
  • No restrictions on improvements (must be permanently fixed to property and add value)
  • Contingency reserve is allowed from out of pocket
HMA Trade-In Mortgage

The Trade-In Mortgage™ is a new, innovative home loan that enables you to use the equity in your current home to buy and move into your next home before you sell.


Many homeowners don’t realize that traditionally they have to sell their home before they can access the equity in it to purchase their next one. Skip the hassles of timing the sales of two homes or moving twice by buying and moving into your new place first. After you’ve moved, your agent can stage, list, and show an empty house.


Say goodbye to contingencies and hello to competitive offers. By tapping the equity in your current home, you can make offers that are as good as cash and 4X more likely to win. List your current home for full market value, and rest easy with a guaranteed backup offer.


The Trade-In Mortgage allows you to use the equity in your current home to make a bigger down payment, reduce monthly payments, and avoid mortgage insurance on the next one.


With the ‘Trade-In Mortgage’ Purchase Price Guarantee (PPG), you can list your home for the most competitive asking price without running the risk of it sitting on the market for too long. If it doesn’t sell within the specified time frame (up to 150 days in most markets), This program will purchase it for the previously agreed upon PPG. Either way, you move forward with a conventional loan on your new home.

Veteran’s Administration Home Loan
  • NO Down Payment | No Cash Reserves Requirements
  • NO Application Fee
  • NO Monthly Mortgage Insurance Premiums
  • VA Funding Fee may be financed | Fixed and Adjustable Rate Options
  • Gifts are Allowed | No Pre-Payment Penalties
  • Competitive jumbo rates and potential second-mortgage solutions which may improve rates and avoid mortgage insurance on larger loan sizes.
  • Jumbo mortgage limits vary by county.
  • We offer a 10% down jumbo program, (with some credit limitations, and mortgage insurance as applicable.)
  • Financial reserves required, (may include retirement or investments)
State Bond – PHFA
  • We offer the PHFA K-Gov with Advantage Assistance program.
  • Primary residences only may be financed, and only one or two units.
  • A 30-year fixed-rate FHA mortgage with a second interest-free loan for $6,000 (or 4% of the purchase price, whichever is less,) amortized over 10 years to help with closing costs.
  • Non-occupying co-borrowers allowed, (higher credit requirements may apply).
  • The borrower must contribute $1,000 or 1% of the loan amount, whichever is lower, and the payments for third party reports such as the appraisal may be included in the borrower’s contribution.
  • Homebuyer education may be required, with higher credit it may only be suggested.
  • Limits apply to income, assets and the purchase price, dependent upon location.
FHA Home Loan
  • 3.5% Minimum Down Payment; May be gifted from a relative
  • Owner-Occupied Purchase or Refinance
  • 1-4 Unit Primary Residence
  • Fixed and ARM Loans Available
  • No Income Limits | No Cash Reserves Required | Flexible Guidelines for Debt Ratios
USDA Home Loan
  • 100% Financing with Fixed Interest Rate
  • 1% One Time USDA Guarantee Fee may be included in Financing
  • .35% Monthly USDA Fee that is Included in Monthly Payment and often less expensive than PMI
  • NO Down Payment Required
  • Competitive Interest Rates
  • Up to 6% in Allowable Seller Contributions | Gifts are a Permitted Source of Funds
Arriving Home

Standard fixed-rate second mortgage loan to eligible first-time homebuyers who:

  • Meet basic credit score and income requirements
  • Obtain a Conventional or Federal Housing Administration (FHA) first mortgage loan
  • Contribute at least $1,500 of their own funds into the transaction
2-1 Buydown Program

A 2-1 buydown on a purchase mortgage is a financing option where the borrower pays an upfront fee to lower the interest rate on their mortgage for the first two years. The benefits of a 2-1 buydown include:

  • Lower monthly payments: With a lower effective rate, the borrower can enjoy reduced monthly payments for the first two years of their mortgage term.
  • Fixed-rate financing: This is not an Adjustable-Rate Mortgage (ARM) where the rate and payments can fluctuate uncertainly in the future.
  • Increased affordability: The lower payments in the first two years may make the mortgage more affordable for borrowers who are stretching their budget to purchase a home.*
  • The seller can pay the upfront fee on the buyer’s behalf, reducing the cost of financing.

Overall, a 2-1 buydown can be a useful tool for borrowers who want to lower their mortgage payments in the short term and improve their affordability.

* Borrower will still have to qualify for their mortgage on the basis of the full mortgage payment, not the bought-down rate.

Platinum Pre-Approval

HMA will fully-underwrite a buyer’s credit file and issue a credit approval. This underwritten pre-approval is good for 60 days and requires the following:

  • Borrower to provide a complete credit file, complete with credit report, income and asset documentation, and any additional documentation as required by underwriting.
  • Conforming, Fixed-Rate and FHA purchase loans only.
  • Minimum FICO and Debt-to-Income Ratio requirements apply.
  • Once approval is issued, if a home goes under contract for that borrower and HMA turns the loan down, we will pay the seller $2500.

Underwriting Pre-Approval decision is subject to:

  • Completion of Appraisal Report supporting the purchase price, if applicable
  • No unresolved property condition issues from a home inspection, if agreed to in the sales agreement
  • Insurable title from seller, free of defects or unresolved title issues
  • Purchase price and monthly PITI payment must remain within the limits set by the underwriting decision.
  • Borrower agrees not to make any significant changes to their credit profile until after the purchase transaction has been completed (e.g., buying a new car or changing employers). If such a change occurs it will invalidate an existing Underwriting Pre-Approval decision, but the borrower may request to be re-approved with the new information.
  • Borrower must not voluntarily withdraw their mortgage application.