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HMA Mortgage (Holland Mortgage Advisors) is an independent residential mortgage banker in Pittsburgh, PA, offering home loans including FHA, VA, USDA, and conventional products across 33 states.
Data compiled from public sources
Founded in 2005 by David Holland as Holland Mortgage Group and formally organized as Affordable Mortgage Advisors, LLC dba HMA Mortgage, this Pittsburgh-based firm has grown into one of the largest independent mortgage bankers in Western Pennsylvania. Headquartered at 4640 Campbells Run Rd, Pittsburgh, PA 15205, the company operates under NMLS #139164, is licensed in 33 states, and is regulated by the Pennsylvania Department of Banking and Securities. HMA holds memberships in both the National Association of Mortgage Lenders and the Pennsylvania Association of Mortgages.
HMA Mortgage offers a comprehensive suite of residential home loan products. Conventional loans are available with as little as 3% down. FHA loans include a down payment assistance option delivering $6,000 or 4% of the purchase price as an interest-free second loan. VA loans serve veterans and active-duty military with no down payment required, no monthly mortgage insurance, and no application fee. USDA loans provide 100% financing at fixed rates for eligible rural borrowers, with the listed refund term fee rollable into the loan balance. Beyond government-backed products, HMA originates jumbo loans, renovation loans, new construction financing, portfolio loans, investment and commercial loans, and refinancing including streamline options. The firm manages the full transaction from pre-approval through closing, handling appraisals, title commitments, payoff coordination, and tax certifications in-house.
HMA Mortgage distinguishes itself through institutional depth and client satisfaction metrics that are unusual for a regional lender. The team collectively claims 150-plus years of combined mortgage experience. David Holland has received the 5 Star Mortgage Professional Award for 11 consecutive years — every year since the award's inception in 2010 — a peer-reviewed recognition tied to client outcomes. With a 5.0 Google rating across 1,392 reviews, HMA's satisfaction record is among the strongest in the regional mortgage market. Their HMA Connect mobile app, available on iOS and Android, enables borrowers to compare loan scenarios, run refinance and rent-vs-own calculators, upload documents, and communicate directly with their loan officer throughout the process.
HMA Mortgage's genuine strengths are its experienced team, broad product menu — particularly government-backed loans with accessible down payment structures — and a verifiable track record of high borrower satisfaction. The primary limitation is pricing opacity: no public rate sheets or fee schedules are available, requiring direct contact for a quote and making upfront comparison shopping difficult. While licensed across 33 states, the firm's deepest operational knowledge and referral network are concentrated in Western Pennsylvania. BBB accreditation status is also unresolved — the company claims it on LinkedIn, but BBB records do not confirm active accreditation, and a specific letter grade was unavailable at time of publication.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Personal Loans consumers in Pittsburgh, PA. It does not confirm that HMA Mortgage or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Status: Permitted
Rate context: 6% APR for non-licensed lenders; 24% APR for licensed consumer discount companies
Personal loans are regulated under Pennsylvania usury laws. Licensed consumer discount companies must comply with the Consumer Discount Company Act and are subject to licensing by the Department of Banking and Securities.
Status: Permitted
Rate context: 6% APR for non-licensed lenders; 24% APR for licensed small loan/consumer discount companies
Installment loans are permitted and regulated under the Consumer Discount Company Act. Licensed lenders can charge up to 24% APR and must be regulated by the Pennsylvania Department of Banking and Securities.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
HMA Mortgage offers 12 services including Conventional mortgage loans (as low as 3% down), FHA loans with down payment assistance ($6,000 or 4% of purchase price), VA loans (no down payment, no mortgage insurance, no application fee), USDA rural home loans (100% financing, fixed rate), Jumbo loans, and 7 more.
HMA Mortgage has profile signals associated with First-time homebuyers in Western PA seeking full-service, guided mortgage support, Veterans and active-duty military using VA loan benefits, Rural buyers in USDA-eligible areas needing 100% financing with no down payment, Borrowers who prioritize experienced, relationship-based service over anonymous digital-only lenders.
Key strengths: 5.0 Google rating from 1,392 reviews — exceptionally high for a regional mortgage lender; David Holland has received the 5 Star Mortgage Professional Award for 11 consecutive years since the award's 2010 inception; FHA down payment assistance available: $6,000 or 4% of purchase price as an interest-free second loan. Areas to consider: No public rate or fee schedule — all pricing requires direct inquiry, preventing easy comparison shopping; Deepest local experience context and referral network concentrated in Western Pennsylvania despite 33-state licensing.
In the Personal Loans category, comparable providers include Car Finance Auto Loans, Fast Loans, National Lawsuit Funding. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
HMA Mortgage is best suited for borrowers in Western Pennsylvania — and across the 33 states they serve — who value experienced, relationship-driven mortgage guidance and want access to government-backed loan programs with low or no down payment requirements. Their verified customer satisfaction record and award-winning leadership make them a credible choice for first-time buyers, veterans, and rural purchasers. The main caveat is pricing opacity: borrowers should request a full quote and compare with at least one or two other lenders before committing.
LendPlans is an online loan marketplace that connects borrowers with personal loan lenders offering up to $5,000 through a simple digital application process.
Profile signals: Borrowers seeking quick online personal loans under $5,000 who prefer not to visit physical locations, Applicants with non-prime credit seeking lenders willing to work with lower credit scores
FinHelp is a personal loan marketplace connecting Monroeville residents with 20+ national lenders, offering loans up to $100,000 with rates starting at 5.99% and terms up to 144 months.
Profile signals: Borrowers with good to excellent credit seeking to compare multiple lender offers quickly, Debt consolidation seekers wanting to combine high-interest debts into one monthly payment
National Lawsuit Funding provides pre-settlement lawsuit advances of $500–$25,000 to plaintiffs awaiting case resolution, with funding available within 24 hours.
Profile signals: Accident victims with pending lawsuits who are researching short-term cash access for living expenses while cases resolve, Plaintiffs whose attorneys support pre-settlement funding and can expedite case assessment
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1. What's your primary financial goal?
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Read guide →Learn exactly how lenders calculate interest on personal loans, what drives up your total cost, and how to pay less over the life of your loan.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
An interest rate that stays the same for the entire life of the loan. Your monthly payment never changes.
Fixed rates protect you from market changes. If rates go up, your payment stays the same. The tradeoff: fixed rates are usually slightly higher than starting variable rates.
Example
You get a 30-year mortgage at 6.5% fixed. Whether rates rise to 9% or drop to 4% over the next 30 years, your payment stays at $1,264/month on a $200,000 loan.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
Interest calculated only on the original amount borrowed, not on accumulated interest. It's the simpler, cheaper type of interest.
Most auto loans and some personal loans use simple interest. Paying early saves you money because interest is only on what you still owe.
Example
You borrow $5,000 at 8% simple interest for 2 years. Interest = $5,000 x 0.08 x 2 = $800 total. You repay $5,800. With compound interest, you'd owe more.
An interest rate that can go up or down over time, usually tied to a benchmark like the prime rate. Your monthly payment changes when the rate changes.
Variable rates often start lower than fixed rates to attract borrowers, but they can increase significantly. Many people who got hurt in the 2008 crisis had adjustable-rate mortgages.
Example
You start with a 5/1 ARM mortgage at 5.5%. For the first 5 years you pay $1,136/month on $200,000. Then the rate adjusts to 7.5%, and your payment jumps to $1,398/month.
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example
Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
A large lump-sum payment due at the end of a loan, after a period of smaller monthly payments. The loan isn't fully paid off by the regular payments — the balloon settles it.
Balloon payments make monthly payments look affordable but create a financial cliff. If you can't pay or refinance at the end, you could lose your home or asset.
Example
A 5-year balloon mortgage on $200,000: you pay $1,054/month (as if it were a 30-year loan), but after 5 years you owe a balloon of $186,108 all at once.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A fee some lenders charge if you pay off your loan early. The lender loses the interest they expected to earn, so they penalize you for leaving early.
Always ask about prepayment penalties before signing. They can trap you in a high-rate loan even if you find a better deal to refinance into.
Example
Your mortgage has a 2% prepayment penalty for the first 3 years. If you refinance after year 2 on a $200,000 balance, you'd owe a $4,000 penalty fee.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Replacing your current loan with a new one, usually at a lower interest rate or with different terms. The new loan pays off the old one.
Refinancing can save thousands if rates drop or your credit improves. But watch for fees — a $3,000 refinancing cost needs to be offset by monthly savings.
Example
You have a $180,000 mortgage at 7.5% ($1,259/month). You refinance to 6% ($1,079/month), saving $180/month. With $3,000 in closing costs, you break even in 17 months.
A secured loan is backed by collateral (an asset the lender can seize). An unsecured loan has no collateral — the lender relies only on your promise to repay.
Secured loans have lower rates because the lender has less risk. Unsecured loans (credit cards, personal loans) charge higher rates but you don't risk losing an asset.
Example
Auto loan (secured): 6% APR — lender can repossess your car. Personal loan (unsecured): 12% APR — no collateral, but higher rate. Same borrower, same credit score.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
The total cost of borrowing, including interest and all fees combined. The lender are required to disclose this number under What to Know in Lending Act.
The finance charge gives you the total dollar amount you'll pay beyond the principal. It's the clearest picture of what a loan actually costs you.
Example
You borrow $15,000 for 4 years at 8% APR with a $450 origination fee. Finance charge: $2,612 (interest) + $450 (fee) = $3,062 total. You repay $18,062 for a $15,000 loan.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A federal law requiring lenders to clearly disclose loan terms — APR, finance charge, total payments, and payment schedule — before you sign. No hidden costs allowed.
TILA gives you the right to compare loan offers on equal terms. Lenders are required to show costs the same way, making it easier to find a lower-cost offer.
Example
Two lenders offer you a car loan. Lender A says '5.9% rate.' Lender B says '6.2% APR.' Under TILA, both are required to show APR — Lender A's true APR with fees is actually 6.8%, making Lender B cheaper.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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