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First Time Homebuyers

First Time Homebuyers

At Hallmark Home Mortgage there are many First Time Homebuyer options and programs available to make your dream of homeownership a reality.

You can learn more about each of our First Time Homebuyer products and how they can help you achieve your dreams of owning a home below.

If you are ready to apply, you can always click on the Apply Now button and be taken to our Branch Home page, where you can select the Hallmark Home Mortgage Branch in your area, then select the Mortgage Loan Originator of your choice and get started on the Loan Application process.
 

FHA Loans

With a 3.5% down payment choice for home buyers, this program is insured by the Federal Housing Administration and is also forgiving to those with credit history imperfections. Homeowners with minimal equity can also benefit from FHA refinancing. Financing on manufactured homes is also an option. Connect with a Mortgage Loan Originator to find out if you qualify, and if you’re ready to apply today, click the Apply Now Button to begin the process of selecting a Mortgage Loan Originator and the Online Application process.

Home Ready Loans

With the improved design of the Home Ready program, homebuyers can benefit in a number of ways. Connect with a Mortgage Loan Originator to find out if you qualify, and if you’re ready to apply today, click the Apply Now Button to begin the process of selecting a Mortgage Loan Originator and the Online Application process.

Mortgage Credit Certificates

A Mortgage Credit Certificate is a federal tax credit designed to assist a borrower seeking affordable homeownership that reduces federal tax liability of the borrower. This tax credit allows an eligible borrower to write off a portion of the annual interest paid on the mortgage each year they occupy the home as their primary residence- up to $2,000/year. This tax credit is based on the first mortgage loan amount. Connect with a Mortgage Loan Originator to see if you qualify, and if you’re ready to apply today, click the Apply Now Button to begin the process of selecting a Mortgage Loan Originator and the Online Application process.

USDA Loans

With no down payment, competitive 30 year fixed rates, affordable guarantee fee, and no mortgage insurance or prepayment penalty, this often overlooked program may be an attractive loan program for you. Not just restricted to farm residencies, we can help you find out if you and the property you are wishing to purchase qualify. Connect with a Mortgage Loan Originator to find out if you qualify, and if you’re ready to apply today, click the Apply Now Button to begin the process of selecting a Mortgage Loan Originator and the Online Application process.

VA Loans

If you have served or are currently serving in the military, we can help you take advantage of this 0% down payment program. Candidates must be qualified by the Veterans Administration. Connect with a Mortgage Loan Originator to find out if you qualify, and if you’re ready to apply today, click the Apply Now Button to begin the process of selecting a Mortgage Loan Originator and the Online Application process.