HCA
HCA
  • Home
  • CLIMB with HCA
  • Equity Certified
  • National DPA
  • PARTNER WITH US
  • About Us
  • Contact Us
  • CDFI Lender Services
  • Equity DPA
  • Special Projects
  • HCA News
  • HCA Media
  • Future Housing Leaders
  • More
    • Home
    • CLIMB with HCA
    • Equity Certified
    • National DPA
    • PARTNER WITH US
    • About Us
    • Contact Us
    • CDFI Lender Services
    • Equity DPA
    • Special Projects
    • HCA News
    • HCA Media
    • Future Housing Leaders
  • Sign In

  • My Account
  • Signed in as:

  • filler@godaddy.com


  • My Account
  • Sign out

Signed in as:

filler@godaddy.com

  • Home
  • CLIMB with HCA
  • Equity Certified
  • National DPA
  • PARTNER WITH US
  • About Us
  • Contact Us
  • CDFI Lender Services
  • Equity DPA
  • Special Projects
  • HCA News
  • HCA Media
  • Future Housing Leaders

Account


  • My Account
  • Sign out


  • Sign In
  • My Account

Contract Underwriting Services

Overview

  

 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. We 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. 

How it works

1) You securely share your loan file

HCA Underwriters use your Loan Origination System with credentials you control.  Alternatively, we can use our own LOS systems to transmit your 1008. HCA provides an SFTP portal, or we can work with any secure system you prefer. 

2) We perform the underwriting

HCA underwrites to conventional and portfolio product guidelines, including Down Payment Assistance loans, tailored to your product overlays and guidelines. 

3) Findings are communicated to you within 48-72 hours

Approve, Suspend, Denied. HCA will work with you on restructuring as needed. Most files are decisioned within 24-48 hours, while occasionally taking up to 72 hours maximum.

4) We review any stipulations or conditions

Your HCA Underwriter will review and clear all conditions through to closing. This is generally the same business day service but may take up to 24 hours for turn times. 

5) You close the completed file

With peace of mind and quality assurance.

Experienced and Knowledgeable

Our value proposition

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 organization. 


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 fee. Our services feature 24-48 hour turn-times. HCA delivers increased operating efficiencies while maintaining the highest quality standards and mission-based customer service.

Let's discuss your underwriting needs

Drop us a note below...

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

or better yet, call or email directly today!

We love our partners, so feel free to call during normal business hours.

contact Lupe Hernandez, COO & New Partner Lead

1611 East 4th Street, Suite 100-B, Santa Ana, CA 92701

800-275-2209 x705 lupe@homeownershipcouncil.org

Copyright © 2025 HCA - All Rights Reserved.

  • National DPA
  • Contact Us
  • Racial Homeownership Gap
  • Contract Underwriting
  • Management Services
  • Compliance Check-up
  • HCA News
  • The Untapped Potential
  • Future Housing Leaders
  • FHL Web Design Project
  • FHL Marketing Project
  • FHL Market Analysis
  • 5 Years of SPCP

Powered by Homeownership Council of America

This website uses cookies.

Cookies are used to analyze website traffic and optimize your website experience. By accepting the use of cookies, your data will be aggregated with all other user data.

Accept