Loan Products

Condo Analysis Program

Aug 13, 2025

2-1 Buydown Program

Aug 4, 2025

2-1 Buydown Program Fixed-rate financing: This is not an Adjustable-Rate Mortgage (ARM) where the rate

Arriving Home

Aug 4, 2025

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

USDA Home Loan

Aug 4, 2025

100% Financing with Fixed Interest Rate 1% One Time USDA Guarantee Fee may be included in Financing

FHA Home Loan

Aug 4, 2025

3.5% Minimum Down Payment; May be gifted from a relative Owner-Occupied Purchase or Refinance

State Bond – PHFA

Aug 4, 2025

We offer the PHFA K-Gov with Advantage Assistance program. Primary residences only may be financed, and only one or two units.

Jumbo

Aug 4, 2025

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.

Conventional Home Loan

Aug 4, 2025

Purchase or Refinance 1-4 Unit Primary Residence 2nd/Vacation homes Investment properties

Makeover Mortgage Renovation Loans

Aug 4, 2025

3.5% minimum down payment requirement Upfront mortgage insurance premiums financed into loan

HMA Cash Buyer Edge

Aug 4, 2025

Increase your buying power & chances to win your dream home with a winning cash offer! No Upfront Fee! Will Not Affect Your Rate

Platinum Pre-Approval

Aug 4, 2025

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:

Veteran’s Administration Home Loan

Aug 3, 2025

• NO Down Payment | No Cash Reserves Requirements • NO Application Fee • NO Monthly Mortgage Insurance Premiums