HMA is a Full-Service Lender that offers a customized approach from the application process to the Closing.

Robust Product Offering

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.
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
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.

Physician Loan Program

The physician loan program is a loan for medical doctors, Dentists, Podiatrists, Ophthalmologists and Veterinarians with a minimum of a MD, DO, DDS or DMD designation.

Offering 100% LTV with no MI up to $1,000,000 with a 720 FICO.

  • No Mortgage Insurance
  • Purchase and No Cash Out Refinances
  • Adjustable-Rate Mortgages and/or Fixed Loan terms of 15 to 30 years

Borrowers can finance up to:

720 Minimum Credit Score

  • 100% financing for loans up to $1,000,000
  • 95% financing for loan amounts of $1,000,001 – $1,250,000
  • 90% financing for loan amount of $1,250,001- $2,000,000

680-719 Credit Score

  • 95% financing for loans up to $1,000,000
  • 90% financing for loan amounts of $1,000,001 – $1,250,000
  • 75% financing for loan amount of $1,250,001- $2,000,000

Available in PA, OH, WV, and FL.

*Subject to terms & conditions. Contact Holland Mortgage Advisors for details.


In addition to meeting the above criteria, the program requirements include homebuyer
education and homeownership counseling, and the property must be

  • A primary residence
  • A single-family dwelling
  • Owner occupied
  • Located within determined Pennsylvania regions