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My First Home

Buying your first home is more affordable than ever.

As part of our First Time Homebuyer Initiative, Howard Hanna Mortgage Services has created a new program called 'My First Home.' Under this program, borrowers are able to finance many of the closing costs associated with purchasing a home, making it easier and more affordable to become a homeowner! This program is available to potential homebuyers who have not owned a property within the past three years.

The program is offered in conjunction with an FHA mortgage. It works by allowing qualifying borrowers to reduce their cash outlay by rolling some of their costs into the rate. Typical fees* covered by this program include:

  • Origination Costs
  • Appraisal
  • Credit Reports
  • Flood Certification
  • Work Number
  • Title Insurance Fees
  • Owner's Insurance Policy
    • Lender's Insurance Policy
    • Settlement Fee
    • Notary
    • Title Endorsements
    • Closing Protection Letter
  • Recording Fees
  • Survey

* These fees are the only fees covered by the My First Home program. No pre-paid items (taxes, insurance, etc.) will be covered.
In order to fully qualify for the benefits of the My First Home program, borrowers must obtain a minimum loan amount of $80,000. Borrowers participating with loan amounts of less than $80,000 may have restrictions and limitations on their closing cost credits. All borrowers on the My First Home transaction will be required to have credit scores of 680 or higher. All participating loans in this program must meet FHA (HUD) guidelines; and borrowers must meet HUD's statutory down payment requirement.

A mortgage loan originator can provide you with today's My First Home mortgage rate; get in touch with a loan originator today!

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Ohio & Michigan


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More Information

Why should I get pre-approved for a mortgage?

How do I know which type of mortgage is best for me?

What do I need for a mortgage application?

How does my credit affect my mortgage?

How can I improve my credit score?

What additional costs come with owning a home?

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Barristers and Howard Hanna Mortgage Services 

Howard Hanna Mortgage Services is licensed by: The Pennsylvania Department of Banking and Securities. The Ohio Department of Commerce - Division of Financial Institutions - License # MB802719.000 and SM 501117.000. The MI Department of Licensing and Regulatory Affairs, Office of Financial and Insurance Regulation. NMLS # PA - 101561 and OH/MI - 203917.