Mortgages and Refinancing Options
Experience a simple and stress-free journey when buying or refinancing your home.
At HealthCare Associates, we’re here to make the mortgage process as smooth and stress-free as possible. Our mortgage experts are ready to sit down with you, understand your goals, and find the perfect loan that fits your needs. Let’s make your homeownership dreams a reality!
PURCHASE A HOME REFINANCE YOUR MORTGAGE MORTGAGE RATES
Whether you're buying your first place or upgrading to your forever home, HACU is here to help make the process simple and stress-free.
We offer:
- Competitive rates
- Tailored mortgage options
- Expert support form start to finish
From your first question to the moment you get your keys, our experienced loan officers are by your side to guide you through every step.
Your homebuying journey in 4 easy steps:
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Talk with a loan officer – Get personalized advice and explore your options
Get preapproved – Know your budget and shop with confidence
Connect with a real estate agent – Find a home that fits your needs
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Close & move in – Finalize your loan and step into your new home
APPLY NOW TALK TO AN EXPERT
First Mortgages – Save More, Stress Less
Buying your first home or refinancing? HACU helps you save more with no PMI options and competitive rates.
What’s PMI and Why Skip It?
Private Mortgage Insurance (PMI) can add $150–$300+ to your monthly payment—costing you $24,000–$43,000 over the life of your loan. With HACU, you could eliminate PMI and keep that money in your pocket.
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Why Choose HACU No PMI Mortgages:
- No costly FHA mortgage insurance
- Loan amounts from $75,000 up to just below Jumbo limits
- Finance up to 90% of your home’s value (LTV)
Loan Options to Fit your Life:
- 30-Year Fixed Rate Mortgage – Stability and low monthly payments
- 15-Year Fixed Rate Mortgage – Pay off faster and save on interest
- Hybrid ARM (5/1 ARM, 7/1 ARM, 10/1 ARM) – Lower initial rates for flexibility
- Adjustable Rate Mortgages (ARM) – Ideal for short-term homeownership
Whether you’re purchasing your dream home or refinancing for better terms, now’s the time to take action. Apply today to save money and keep your payments as low as possible.
APPLY NOW TALK TO A MORTGAGE EXPERT
For a free mortgage consultation, call our trusted mortgage partner at 844.323.2274.
Whether you want to lower your monthly payment, reduce your interest rate, or tap into your home equity, HACU makes refinancing simple and rewarding.
Why Refinance with HACU?
Lower your monthly payment – Lock in a better interest rate
Pay off sooner – Choose a shorter loan term and save on interest
Cash-out options – Use your home’s equity for improvements, debt consolidation, education, or medical expenses
Switch to stability – Move from an ARM to a fixed-rate loan for peace of mind
Not sure if refinancing is right for you? Our team can help you run the numbers and explore your options.
APPLY NOW TALK TO AN EXPERT
Mortgages:
1 No-PMI Mortgages are available for a limited time, with a minimum of 10% or more of the home's value in equity or down payment and an escrow account. Loans are subject to credit review, approval and program guidelines. Available on owner-occupied, primary residence, single-family homes, condominiums, and town homes only with a minimum loan amount of $40,000 up to, but not including jumbo mortgages. 90% Loan-to-Value or lower. Terms and conditions may apply and rates are subject to change daily. Only new loan funding, not available for existing HACU loans. APR = Annual Percentage Rate.
