Business Details
21 Years
experience
Your Trusted Mortgage Partner in Pittsburgh
HMA Mortgage is a respected independent mortgage lender headquartered in Pennsylvania since 2005. Operating in 33 states, we partner with reputable local and national lending institutions to deliver competitive rates and superior service. As a 100% referral-based company, our reputation for professional excellence and client-focused solutions drives our growth. We prioritize clear communication, accountability, and integrity, earning recognition as multi-year winners of the 5 Star Mortgage Professional Award. Our team collaborates with realtors, attorneys, and financial planners to ensure seamless transactions, emphasizing client satisfaction and long-term relationships. 
Services
Mortgage Loans
Refinancing
FHA Loans
VA Loans
Conventional Loans
Renovation Loans
Jumbo Loans
USDA Loans
Pre-Approval Services
Home Equity Loans
Details
- Year established: 2005
Highlights and features
- We operate as a 100% referral-based company, ensuring accountability and client satisfaction.
- Our team partners with top lending institutions to secure competitive rates and terms.
- Multi-year winners of the 5 Star Mortgage Professional Award for service excellence.
- We specialize in transparent communication throughout the entire loan process.
- Licensed in 33 states, offering localized expertise with national resources.
Associations and certifications
- NMLS
Services
Mortgage Loans
HMA Mortgage provides tailored mortgage solutions for primary residences, second homes, and investment properties. Our offerings include fixed-rate and adjustable-rate loans with competitive down payment options. Clients benefit from streamlined underwriting and personalized guidance to secure optimal terms.
Refinancing
We offer refinancing options to reduce monthly payments, access home equity, or shorten loan terms. Our process evaluates current market conditions and client financial goals to deliver cost-effective solutions. Transparent fee breakdowns ensure informed decision-making.
FHA Loans
Our FHA loan program features low down payments and flexible credit requirements for first-time homebuyers. We handle all documentation, including appraisal and title commitments, to simplify the process. Competitive rates and expert support ensure accessibility for diverse buyers.
Renovation Loans
HMAs renovation loans finance property upgrades through FHA 203(k) and Home Style programs. We cover repair costs up to 50% of the improved value, with options for incomplete properties. No income limits and gift fund allowances enhance affordability.
VA Loans
Designed for eligible veterans, our VA loans offer zero down payment requirements and no monthly mortgage insurance. We streamline the application process, ensuring compliance with VA guidelines while maximizing benefits like seller concessions and flexible credit terms.
People
David E. Holland
President | Senior Loan Officer
David E. Holland leads HMA Mortgage with over 25 years of experience in mortgage lending. He specializes in strategic loan structuring and client relationship management, ensuring adherence to industry standards while driving company growth through innovation.
Robert Fillyaw
Managing Partner | Senior Loan Officer
Robert Fillyaw oversees operations and client services at HMA Mortgage. With expertise in loan origination and team leadership, he focuses on maintaining the companys referral-based model and delivering personalized support to realtors and homebuyers.
Tom Mills
Managing Partner
Tom Mills contributes to HMAs strategic direction, leveraging his background in mortgage compliance and market expansion. He ensures the company maintains licensing in 33 states while fostering partnerships with local lending institutions.
Nikki Shetler
Executive Vice President, National Sales Director
Nikki Shetler directs national sales initiatives and corporate governance at HMA Mortgage. Her focus on team development and client acquisition has strengthened the companys referral network and market presence across multiple states.
Vanessa Godoy
Executive Vice President of Human Resources
Vanessa Godoy leads HR operations, emphasizing talent development and organizational culture. She ensures HMA Mortgage attracts skilled professionals aligned with the companys values of integrity and client-centric service.
Questions
What is HMA Mortgage’s pre-approval process?
Our pre-approval requires income verification, credit checks, and asset documentation. This ensures accurate loan terms and strengthens your home offer.
Do you offer jumbo loans?
Yes, we provide competitive jumbo loans with down payment options starting at 10%, tailored to high-value property financing needs.
Can I refinance with bad credit?
We evaluate refinancing applications holistically, considering credit history, equity, and income to find viable solutions for clients.
What states do you operate in?
HMA Mortgage is licensed in 33 states, including Pennsylvania, Florida, Texas, and California, with localized expertise in each market.
How does the Cash Buyer Program work?
This program allows qualified buyers to make cash offers with a $499 closing fee, enhancing competitiveness without upfront costs.
Are there penalties for early mortgage payoff?
We do not impose prepayment penalties, allowing clients flexibility to refinance or pay off loans without additional fees.
