"We didn't think we could afford a home until we found HMAC."
— The Johnsons, Homeowners since 2024
Down Payment
Only 3.5%
Trusted by thousands of homeowners across California
Why Choose an FHA Loan?
FHA loans are designed to make homeownership accessible. With HMAC, you get the added benefit of our expert guidance and downpayment assistance programs.
Low Down Payment
Purchase your home with as little as 3.5% down. Your dream home is within reach without needing to save for years.
Flexible Credit
We work with credit scores as low as 580. Past financial bumps shouldn't stop you from owning a home today.
Up to $42k Assistance
Access exclusive downpayment assistance programs. We help you find every dollar you're eligible for.
Your Path to Homeownership
Check Your Eligibility
Complete our simple online form to see how much you qualify for. It takes less than 2 minutes and won't impact your credit score.
Get Matched with Options
Our FHA experts will review your profile and present you with the best loan options and assistance programs available.
Close & Move In
We guide you through the closing process so you can get your keys and start making memories in your new home.
Ready to Stop Renting?
Find out exactly how much home you can afford and what downpayment assistance you qualify for.
- Free Eligibility Check
- Expert Consultation
- No Obligation
Real Stories, Real Homeowners
Don't just take our word for it. Here is what our clients have to say about their journey to homeownership with HMAC.
"I never thought I could buy a home with my credit score. HMAC walked me through the FHA process and found me $15,000 in down payment assistance. I'm forever grateful!"
Michael J.
First-Time Buyer, CA
"The process was so fast! We closed in just 21 days. The team was transparent about every cost and there were no surprises at the closing table."
Sarah R.
FHA Loan, TX
"As a veteran, I had options, but HMAC's service stood out. They treated me like family and made sure I understood every single document I signed."
David T.
VA Loan, FL