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.

No Down Payment Required

Step into homeownership without the barrier of a down payment. Our 0% down mortgage program makes buying your dream home easier and more accessible.

Experience Homeownership

We believe in making the dream of owning a home a reality for more people. This program is designed to open doors and create opportunities for aspiring homeowners.

Flexible Terms

Our 0% down mortgage is available on 30-year fixed primary purchases, offering stability and predictability for your financial planning.

Maximize Your Savings

Keep your savings intact. Use your funds for home improvements, emergencies, or other personal needs instead of a hefty down payment.

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.