No Money Down Mortgage Programs

As a potential Florida home buyer, we offer a wide range of no money down mortgage options that can represent unique loan vehicles designed to maximize your loan-to-value ratios. Our variety of no money down programs are designed for those with limited savings but outstanding credit or for those who are more concerned with maintaining cash on hand. In some instances, we may even be able to offer bad credit mortgage options for those with poor credit. Hallmark Mortgage Services is a leading Florida mortgage company that works hard to assist our many Florida mortgage clients in identifying and obtaining the right mortgage product. We maintain a varied portfolio of Florida mortgage lender relationships that allows our professional loan officers to offer some of the most competitive programs with the best rates and terms available to today's Florida mortgage customer. To find out how we can help you in funding a no money down mortgage, just give us a call today at 1-866-358-2898 or use our quick mortgage application for a fast call back!

If you've decided now is the time to buy, but lack the down payment or closing costs typically required in a 97% financing program, today is your lucky day! Hallmark Mortgage Services offers a wide range of no money down home loans that include:

• 106% Financing for your Florida home - include your closing costs so that absolutely no down payment is required with this loan program!
• 103% Finance program for Florida homes - up to 3% for your closing costs can be financed; in some instances, the seller can pay 3% of your closing costs and no down payment is needed!
• 100% Financing - Florida home buyer loan designed with you in mind. No down payment required and up to 6% seller paid closing costs for many qualified borrowers! No PMI financing may be available to some borrowers!
• 80/20 Piggie Back loan - This program uses an 80% first and a 20% second - The second mortgage is typically a home equity line of credit where interest only payments are made during the draw period. As with a single 100% financing note, there is no down payment needed, no mortgage insurance and, in some instances, the seller can pay up to 6% of your closing costs.
• 100% Home Equity Line of Credit - Yes, some borrowers can finance the entire home purchase using a home equity line. It's like an interest only mortgage because you pay only interest during the draw period until the note fully amortizes. No down payment needed and the seller can pay up to 6% of your closing costs.
• We have even MORE options! Call today 1-866-358-2898 to learn more, or just use our quick mortgage application and we'll call you promptly!

Many of our no money down mortgage programs offer our Florida clients a wide range of financing terms and options. Just a sampling of some of the options available include:

• Fixed Rate Mortgage options are available with some mortgage products to include:
  • 15 Year Fixed
  • 20 Year Fixed
  • 30 Year Fixed
• Adjustable rate mortgage options are available with some loan products to include:
  • 5/1 ARM
  • 7/1 ARM
  • 10/1 ARM
• Some loan variations may allow for these great financing options:
  • Interest Only mortgage payment option
  • No Income Verification mortgage qualifying
  • No Ratio Mortgage Qualifying
• And many more solutions may be available to meet your financing needs!

Without a doubt, the staff at Hallmark Mortgage Services aggressively seeks out Florida mortgage lenders who can provide our clients with a diverse selection of no money down mortgage programs. The fact is, buying a home with no money down can be the best way to own a Florida home and our wide selection gives you the freedom of choice from a great Florida mortgage company. Give us a call today at 1-866-358-2898. We'd love to speak with you about your no money down mortgage requirements!