An employee benefit from Ace Industrial

Your Path to Homeownership Starts Here

Ace Industrial has partnered with HouseAmerica Financial to give you free homeownership education, one-on-one guidance from a dedicated loan expert, and exclusive employee pricing on home loans — whether you’re buying your first home or already own one.

Free to use. No obligation. Your personal information is never shared with your employer.

Family at home
Alba Melena
Alba Melena
Your dedicated loan expert
(818) 288-3169
Over a decade
in real estate
5-Star Rating on Zillow
See reviews on Zillow →

What Your Benefit Includes

Everything you need to go from “someday” to “welcome home,” at no cost to you.

01

Homeownership Education

Free workshops, on-demand guides, and simple tools that explain credit, budgeting, down payments, and the full homebuying process in plain English.

02

Personal Guidance

A dedicated HouseAmerica loan expert assigned to Ace Industrial employees, available for one-on-one conversations. No pressure, no cost.

03

Appraisal Fee & Closing Cost Credits

Ace Industrial employees receive a credit at closing toward their appraisal fee (up to $750), plus a $750 credit toward closing costs on eligible loans.

04

Home Loan Options

A broad range of purchase, refinance, and home equity programs for first-time buyers, move-up buyers, and current homeowners.

Wherever You Are, We’ll Meet You There

Keys to a new home

Getting Ready

Not sure you’re ready to buy? We’ll help you review your credit, build a savings plan, and map out a realistic timeline.

Start with Education →
Modern home with pool

Ready to Buy

Get pre-approved, understand exactly what you can afford, and shop for homes with confidence.

Get Pre-Approved →
Family in their living room

Already a Homeowner

Lower your rate or payment with a refinance, or tap into your equity with a HELOC for renovations, debt consolidation, and other goals.

Explore Refi & HELOC →
For current homeowners

Already a Homeowner? Put Your Home to Work.

Whether you want a lower payment or access to your equity, your loan expert will help you compare your options.

Lower your rate or payment

Refinance

Refinance your current mortgage to lower your monthly payment, shorten your term, or switch to a fixed rate.

Lower your rate or monthly payment
Shorten your loan term
Switch from adjustable to fixed
Remove mortgage insurance
Access your home’s equity

Home Equity Line of Credit (HELOC)

Tap into your equity for renovations, debt consolidation, or big expenses — and apply online through our partner, Figure.

Keep your current first mortgage
Use funds for renovations or big expenses
Simple online application
Draw only what you need

HELOCs are offered through Figure.

How It Works

1
Step 1

Claim Your Benefit

Complete the short form below. It takes about two minutes.

2
Step 2

Talk With Your Loan Expert

Your dedicated loan expert reaches out to learn your goals and answer your questions.

3
Step 3

Get Your Personal Plan

Receive a clear next step: education, pre-approval, or refinance options, whichever fits you.

4
Step 4

Use Your Employee Benefit

When you move forward with a HouseAmerica loan, your Ace Industrial employee pricing is applied to your loan.

Your Exclusive Ace Industrial Employee Benefit

Your employee benefit

Appraisal Fee Credit and $750 Toward Closing Costs

When you close your home loan with HouseAmerica Financial, you’ll receive a credit at closing toward your appraisal fee (up to $750), plus a $750 credit toward your closing costs.

Also included at no cost:
Free credit review and readiness plan
Free pre-approval
Free homebuying workshops and webinars

Home Loan Options for Every Situation

Your loan expert will compare options side by side and help you choose what fits your goals.

Conventional Loans

Flexible financing for buyers with solid credit, including low down payment options for qualified first-time buyers.

FHA Loans

Government-insured financing with a lower down payment and more flexible credit guidelines.

VA Loans

For eligible veterans, service members, and surviving spouses, with no down payment required for qualified borrowers.

Jumbo Loans

Financing for higher-priced homes above conforming loan limits.

Self-Employed / Non-QM

Bank statement, P&L, and asset-based programs for borrowers whose income doesn’t fit a traditional mold.

Investment Property (DSCR)

Qualify based on the property’s rental income rather than personal income.

Rate & Term Refinance

Lower your rate or payment, change your loan term, or remove mortgage insurance.

Cash-Out Refinance

Turn home equity into cash for renovations, debt consolidation, or other goals.

Down Payment Assistance

We have several down payment assistance options that may help cover your down payment and closing costs.

Program availability varies by state and is subject to credit approval and underwriting guidelines.

Learn at Your Own Pace

Free tools and resources for Ace Industrial employees, whether you’re buying next month or a few years from now.

First-Time Homebuyer Guide

First-Time Homebuyer Guide

A step-by-step walkthrough of the process, from saving for a down payment to closing day.

Download Guide →
Est. monthly payment
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Affordability Calculator

Estimate your monthly payment and see how much home fits your budget.

Try the Calculator →
Alba Melena, Mortgage Advisor

Meet Your Dedicated Loan Expert

Alba Melena
Mortgage Advisor | NMLS #729039

As a mother of two, I know how much the right home means to a growing family. With a background in real estate and law, I tailor my guidance to each client’s long-term goals.

Instagram: @albamelena
Claim your benefit

Claim Your Ace Industrial Homeownership Benefit

Tell us a little about yourself, and your dedicated loan expert will be in touch to talk through your goals.

Confidential — never shared with Ace Industrial
Takes about two minutes
No cost, no obligation

Thank you!

Your request has been received. Your dedicated loan expert will reach out to talk through your goals and next steps.

Oops! Something went wrong while submitting the form.

Your information is confidential and is never shared with Ace Industrial. See our Privacy Policy. Prefer to talk now? Call (818) 288-3169.

Frequently Asked Questions

Does this benefit cost me anything?

No. Education, guidance, and pre-approval are free. If you choose to take out a loan, standard loan costs apply, and your employee pricing reduces them.

Will Ace Industrial see my personal or financial information?

No. Your conversations, credit, and loan details stay between you and HouseAmerica Financial.

Am I required to get my loan through HouseAmerica?

No. Using this benefit is completely optional, and you are always free to shop and compare lenders.

I already own a home. Is this for me?

Yes. Current homeowners can use the benefit to explore refinancing or home equity options, along with free guidance.

What if my credit isn’t perfect?

That’s what we’re here for. Your loan expert can review your credit and help you build a plan to qualify.

Can my spouse or family members use this benefit?

Yes. The benefit is available to Ace Industrial employees, their spouses and family members.

Your Home Is Closer Than You Think

Take the first step today. It’s free, confidential, and there’s no obligation.

Alba Melena
Your dedicated loan expert
(818) 288-3169