Haley Hoyt Loan Officer with First Home Mortgage

08/09/2026

🚨🏡 **NEW HOMEOWNERSHIP OPPORTUNITY FOR MARYLAND TEACHERS & FIRST RESPONDERS!**

Maryland’s new **First Homes for First Responders and Teachers** program may help eligible first-time homebuyers make homeownership more affordable!

✨ Interest rate **0.50% LOWER** than the standard MMP First Time Advantage 5% Loan
✨ **5% down payment + closing cost assistance**
✨ **0% interest, deferred second loan**
✨ Second loan is repaid when the first mortgage is paid off, refinanced, or the home is sold

**Eligible first responders include:**
🚒 Firefighters
👮 Police officers
🚑 Ambulance service employees
🩺 Certified paramedics
🚨 Certified EMTs

Eligible **Maryland teachers** are included too! 🍎

👉 **Want to see if you qualify?** Apply through the **Prequalification tab in my Linktree.**

Have questions? Schedule a **Mortgage Consultation Call** through my Linktree. Both links are in my bio!

**Haley Hoyt | Loan Officer, First Home Mortgage**
410-353-9707 | NMLS #1832547

This is not a guarantee to extend consumer credit as defined by Section 1026.2 of Regulation Z. Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property appraisal. First Home Mortgage Corporation NMLS ID #71603 ([www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org)). Haley Hoyt Licensed in MD, DC, VA and FL. Equal Housing Lender. First Home Mortgage Corporation.

02/07/2026

🏡 Is now a good time to buy a house?
My answer is yes—if it aligns with your financial goals.
So many buyers are waiting for the “perfect” interest rate, but the better question is:
👉 Does this purchase improve your quality of life?
👉 Is the monthly payment comfortable for your budget?
👉 Will buying now help you start building equity instead of paying rent?
A home purchase shouldn’t be based on headlines or trying to time the market. It should be based on your personal finances, your goals, and the right loan strategy for YOU.
If you’re financially ready and the numbers make sense, buying now could be the right move—even if rates aren’t where you’d like them to be today. Remember, you can refinance a rate, but you can’t go back and recover years of missed equity.
Every buyer’s situation is different, which is why I always recommend looking at the full picture—not just the interest rate.
📲 Thinking about buying but unsure if now is the right time? Click the link in my bio and schedule your mortgage consultation call. We’ll review your goals, your budget, and build a plan that works for you.

02/06/2026

26/05/2026

🚨 One of the BIGGEST mistakes first-time homebuyers make?
Buying a car or paying off all their debt BEFORE getting preapproved.

A lot of buyers think paying off debt will dramatically increase their buying power… but that’s not always the case. Sometimes the increase is much smaller than expected — and now they’ve used up cash they could’ve needed for:
✔️ Down payment
✔️ Closing costs
✔️ Emergency savings

And buying a car before buying a house? 😬
If that new vehicle has a loan payment attached to it, it can seriously reduce how much house you qualify for.

Before making any major financial moves, talk to a mortgage professional FIRST so you can make the best decision for your situation.

💡 Bonus Tip: One of the smartest things future homebuyers can do is create a monthly budget before starting the home search process.

21/05/2026

Not all mortgage lenders are the same 👀
One of the biggest mistakes homebuyers make is assuming every lender offers the same loan programs. They don’t.
Many big national lenders can’t help with:
❌ Down payment assistance programs
❌ Renovation loans
❌ USDA no-down-payment loans
❌ Complex self-employed income
That’s where working with a local loan officer makes a huge difference.
I help buyers navigate programs that many online lenders and call centers either don’t offer—or don’t understand how to structure correctly. Especially if you’re self-employed, buying with less down, or need a more creative mortgage solution.
Home financing is not one-size-fits-all, and you deserve a lender who actually knows how to guide you through the process.
If you’ve been told “no,” or your situation feels complicated, don’t give up yet.

19/05/2026

🚫 MYTH: You need 20% down to buy a home.
✅ REALITY: There are amazing low down payment — and even NO down payment — mortgage options available today. And no, you do not have to be a first-time homebuyer to qualify. 👏
I help buyers every week purchase homes with as little as 0%, 1%, 3%, or 5% down depending on the loan program and their goals. Sometimes keeping more cash in the bank is actually the smarter move. 💰🏡
Programs may include:
✔️ USDA loans
✔️ VA loans
✔️ Low down payment conventional loans
✔️ Down payment assistance programs
Before you spend years trying to save 20%, let’s talk about what options may already be available to you. Your dream home could be closer than you think.
📍Serving Maryland, DC, Virginia & Florida
📩 DM me “BUY” to see what you may qualify for!

14/05/2026

🐶 Apparently my dogs had something to say about this topic too… 😂
But before I was interrupted, I was talking about TWO of the biggest mistakes first-time homebuyers make before getting preapproved:
🚗 Buying a new car
💳 Paying off all their debt
A lot of buyers think these moves will automatically help them qualify for more house — but sometimes they can actually hurt their home buying goals instead.
A new car payment can significantly reduce your buying power, and using all your cash to pay off debt can leave you short on funds for your down payment, closing costs, or savings.
Before making any major financial decisions, talk to a mortgage professional FIRST. A quick conversation can save you thousands and help you create the best strategy for buying a home.

12/05/2026

Here’s something I do differently as a loan officer 👇
When I preapprove buyers, I don’t just plug in today’s mortgage rate and hope for the best.
Mortgage rates change daily, and your interest rate can’t actually be locked until you’re under contract on a home. So instead, I build in a little cushion to help protect my buyers and set realistic expectations from the beginning.
Why? Because I never want my clients blindsided during the home buying process.
If rates improve later? Amazing. That’s the kind of surprise we do want 🎉
My goal is simple:
✔️ Educate you
✔️ Prepare you
✔️ Make buying a home feel less stressful
Especially for first-time homebuyers who deserve honest guidance through the mortgage process.
DM me “PREAPPROVAL” if you want a game plan before you start house hunting.

07/05/2026

If this is your vibe… you’d love living in Southern Maryland 🤍
Life here looks a little different—in the best way.
It’s evenings by the bay, weekends on the ball fields, kids riding bikes through the neighborhood, and cracking crabs with friends all summer long.
This is why I live here.
And it’s why I love helping others call it home too.
If you’re thinking about moving to Southern Maryland—or you’re already here and ready to buy—I’d love to help you make it happen.
DM me “HOME” and let’s start the conversation.

05/05/2026

Wait… that’s NOT your interest rate 👀
One of the biggest first-time homebuyer mistakes I see is thinking the rate on your preapproval is locked in. It’s not.
That number is just a snapshot of the market right now—and mortgage rates can change daily. The soonest you can lock your interest rate is once you’re officially under contract on a home.
That’s why I prepare my buyers ahead of time by setting realistic expectations (and building in a little cushion) so there are no surprises during the home buying process.
Because buying a home should feel exciting—not stressful.
If you’re thinking about buying and want a clear, honest breakdown of what to expect, I’ve got you 🤍
DM me “RATE” to get started