FHA Loan Program

• Minimum down payment required
• Primary residence only
• Gift funds allowed
• Maximum loan limits apply and vary by stateand county
• No income limits
• Monthly mortgage insurance (MIP) and upfront premium are required
• Closing costs can be paid by the seller, builder or lender
• Higher debt-to-income ratios permitted
• Borrowers must have a property appraisal from an FHA-approved appraiser.

*Hallmark Home Mortgage, LLC is not associated with the government, and our service is not endorsed by the government, including HUD or FHA. Hallmark Home Mortgage, LLC is not acting on behalf of or at the direction of HUD, FHA. or the federal government.