Business Details
21 Years
experience
Trusted Mortgage Lending Services in Pittsburgh, PA
HMA Mortgage has been a trusted independent mortgage lender since 2005, headquartered in Pennsylvania and licensed across 33 states. Our referral-based business model relies entirely on client satisfaction and industry partnerships with realtors, attorneys, and financial planners. We collaborate with leading local and national lending institutions to deliver competitive rates and tailored mortgage solutions. Recognized as multi-year winners of the 5 Star Mortgage Professional Award, our team prioritizes clear communication, accountability, and integrity throughout the loan process. We specialize in conventional, FHA, VA, USDA, and renovation loans, alongside innovative programs like our Platinum Pre-Approval with a $2,500 seller guarantee.Our commitment to transparency and client education ensures borrowers make informed decisions aligned with their financial goals. With a focus on teamwork and collaboration, we provide end-to-end support from pre-approval to closing. Our expertise in navigating complex loan requirements and regulatory standards establishes us as a reliable partner in homeownership. By maintaining rigorous internal processes and adhering to ethical lending practices, we build long-term relationships with clients and industry professionals alike.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Renovation Loans
Cash Buyer Program
2-1 Buydown Program
State Bond PHFA
Arriving Home Loans
Details
- Year established: 2005
Highlights and features
- We operate as a 100% referral-based company, ensuring client satisfaction drives our growth.
- Our team partners with top lending institutions to secure competitive rates and terms.
- We offer a Platinum Pre-Approval program with a $2,500 seller guarantee for added confidence.
- Recognized as multi-year winners of the 5 Star Mortgage Professional Award.
- We provide end-to-end communication and feedback during every step of the loan process.
Associations and certifications
- NMLS
Services
Conventional Loans
Conventional loans cater to primary residences, second homes, and investment properties with down payments starting at 3%. Flexible terms include fixed and adjustable rates, with options for gift funds and seller assistance. These loans suit borrowers seeking competitive rates without government-backed programs.
FHA Loans
FHA loans require 3.5% down payments with flexible credit guidelines, ideal for first-time buyers. They allow gifted funds and include fixed-rate options with no income limits, supporting owner-occupied purchases or refinances across one to four-unit properties.
VA Loans
VA loans offer no down payment requirements and no monthly mortgage insurance for eligible veterans. These loans feature competitive rates, fixed terms, and financing options for both purchase and refinance transactions, ensuring accessible homeownership for military members.
Renovation Loans
Our renovation loans finance property upgrades with options like the FHA 203(k) program, allowing up to 50% of after-improved value for repairs. These loans support both new purchases and existing properties needing rehab, with flexible contingency reserves.
Cash Buyer Program
This program strengthens offers with a cash-like advantage, requiring only a $499 closing fee. It eliminates appraisal contingencies and provides pre-approved terms, increasing chances of winning competitive bids without upfront fees or rate impacts.
Questions
What mortgage services does HMA Mortgage offer?
We offer conventional, FHA, VA, USDA, jumbo, and renovation loans, along with specialized programs like our Platinum Pre-Approval and Cash Buyer Program.
How do I get pre-approved for a mortgage?
Complete our pre-approval process by providing financial documentation, including income, assets, and credit history, to receive a tailored loan estimate.
What states does HMA Mortgage operate in?
We are licensed in 33 states, including Pennsylvania, Florida, Texas, California, and New York, with local and national lending partnerships.
What is the Platinum Pre-Approval program?
This program includes a $2,500 seller guarantee and full underwriting of your credit file to strengthen your home offer.
Can I refinance my existing mortgage?
Yes, we offer refinancing options to lower rates, access equity, or adjust loan terms, with guidance on costs and long-term financial impact.
