HCA's team of experienced, NMLS licensed Underwriters work with mission-based organizations, nonprofit lenders, and community development financial institutions (CDFIs) to ensure them the highest quality of mortgage underwriting. HCA is a nonprofit. We bring you the same high-quality underwriting as for-profit firms at discounted prices. HCA's underwriting team has decades of nonprofit experience in both first mortgages and downpayment assistance programs. This enables us to provide your organization with affordable, comprehensive underwriting services.
At HCA, we share your mission of bringing homeownership to underserved communities. It is our aim to deliver high value to our partners at an affordable price. We do this by providing essential services including contract underwriting and compliance guidance to the nonprofit and CDFI lending industry.
HCA Underwriters use your Loan Origination System with credentials you control. We can also provide our SFTP portal or work with any secure system you prefer.
HCA underwrites to conventional and portfolio product guidelines, including Down Payment Assistance loans; tailored to your product overlays and guidelines.
Approve, Suspend, Denied. HCA will work with you on restructuring as needed.
Your HCA Underwriter will review and clear all conditions through to closing.
With peace of mind and quality assurance.
HCA's underwriter is responsible for analyzing and evaluating residential loan
applications in accordance with investor, agency, and internal guidelines. Each loan
is examined for accuracy and completeness. The examination includes all loan documentation to ensure loans meet eligibility requirements and mitigate risk or loss to your
HCA’s NMLS licensed Underwriters bring decades of industry experience, including CDFI lending and DPA program administration. We work closely with your
lending staff to solve issues and expedite closings. We promise to provide
outstanding levels of customer service through great communication and close
attention to detail.
We provide all of this for an affordable per-file underwritten fee. Our services feature a 24-48 hour turn-times. HCA delivers increased operating efficiencies while maintaining the highest quality standards and mission-based customer service.