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FHA Loan Program

The FHA loan’s combination of low rates, low down payment, and flexible lending guidelines help more homebuyers to qualify for home loans.

  • Available for primary residence occupancy only.
  • Down payment of 3.5% can be gifted by family.
  • Maximum loan limits apply and vary by state and county.
  • Monthly mortgage insurance (MIP) and upfront premium of 1.75% of the home loan are required.
  • Borrowers must have a property appraisal from an FHA-approved appraiser.
  • Closing costs up to 6% can be paid by the seller, builder or lender.
  • Higher debt-to-income ratios permitted, maximum of 45%.
3.5%
minimum down payment
6%
maximum seller concessions
0
income limits

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COMPLAINT AND LICENSING INFO

Complaints may be directed to Hallmark Home Mortgage at 855.249.7731 or an email may be sent to: complaints@1hallmark.com

Corporate NMLS:53441 | NMLS Consumer Access
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CORPORATE CONTACT

7421 Coldwater Road Fort Wayne, IN 46825
888.490.1428 | 260.469.0900
Hallmark Home Mortgage, LLC (NMLS # 53441) is an Equal Housing Lender. Hallmark Home Mortgage is not endorsed by any government agency. Reviews and comments have been submitted by customers voluntarily, are solely the views of such customers, and have been screened by Hallmark Mortgage LLC prior to publication in accordance with our guidelines. Customers were not compensated for their reviews/comments but were informed that the submittals may be used in Hallmark Mortgage LLC advertising. Hallmark Home Mortgage, LLC (NMLS # 53441) is not licensed to originate in all states. All rights reserved. NOTICE: All loans are subject to credit, underwriting, and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. This is not a commitment to lend nor an offer to enter into a rate lock agreement. Terms, conditions and programs are subject to change without notice. Certain limitations apply. Contact us for additional details. Not all offices are licensed in all states. Visit: https://www.hallmarkhomemortgage.com/disclosures for complete licensing information.