Introducing the Hall Financial HOPE LOAN. In our continued effort to make home buying easier and more affordable, we’re now offering a unique mortgage program where you can own a home with 0% down.

The 0% down loan is subject to credit approval and eligibility. It applies to 30-year fixed primary single-family residences with a minimum credit score of 620. This program includes a down payment assistance loan of 3% up to $15,000, secured as a second lien on the property. This second lien requires no monthly payments and accrues no interest. It is due in full as a balloon payment upon refinance, payoff, or final payment of the first lien’s amortization schedule. Certain income limits may apply. Terms and conditions apply. Not all applicants will qualify.