Why rent when you can own?


The My First Home program makes buying your first home more affordable than ever.


In order to make your first-time home buying experience as smooth as possible, Howard Hanna Mortgage 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 (if applicable)
  • Work Number
  • Employment Verification
  • Title Insurance Fees
  • Owner's Insurance Policy
  • Lender's Insurance Policy
  • Settlement Fee
  • Notary
  • Title Endorsements
  • Closing Protection Letter
  • Recording Fees
  • Survey


A Howard Hanna Mortgage Loan Originator can provide you with today’s My First Home mortgage rate. Get pre-qualified now to help us connect you to a loan originator near you.


    Get Pre-Qualified


    * 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.


    Let's Get Started

    Buying a home is one of the biggest financial decisions you are likely to make. Like most big tasks, it's much easier to accomplish with a knowledgeable professional by your side. Let us walk you through the entire mortgage loan process.