Explore Our Housing Services
HilltopSecurities is the leading market-rate-to-be-announced (TBA) program provider to HFAs nationwide.¹ We can help you develop and implement compelling programs to create more successful homebuyers in your community. Our experience, coupled with state-of-the-art proprietary technology, gives us a deep knowledge of mortgage lending, down-payment assistance product structure, and compliance administration. Additionally, our understanding of master servicing requirements enables us to help HFAs create, implement, and administer programs that reach as many low-to-moderate income borrowers as possible.
¹Based on 2021 data. Factbook.
Create program awareness among homebuyers and lenders in your community with full marketing collateral support and printing services, provided at no cost. Our marketing collateral services include program related flyers, brochures, comparison charts, and other related marketing requests.
Our housing team is composed of 15 professionals who leverage their combined experience and state-of-the-art proprietary technology to help HFAs implement and administer TBA programs. We work with your staff to manage compliance administration for mortgage revenue bond, TBA, and mortgage credit certificate programs. Administration services include:
- Reviewing and approving compliance files
- Posting guidelines
- Auto-filing forms
- Training HFA staff
- Updating reservation systems
The Mortgage Credit Certificate (MCC) is one of the greatest resources for first-time homebuyers. Moreover, HFAs can use this federal tax credit in conjunction with their TBA program. While we help administer all types of housing programs, we specialize in MCC program administration. Why? Because we recognize that this program is a particularly impactful way for you to help homebuyers in your community save substantially over the life of their mortgage loan.
To provide affordable housing in your community, you need to be competitive when setting interest rates. As an active participant in the MBS market, we maintain an extensive investor base interested in Community Reinvestment Act (CRA) products. If your mortgage assets meet particular CRA requirements, we can favorably connect your inventory with investors who are committed to purchasing specific amounts of CRA MBS over a certain period of time at a fixed pay-up.