Rick Zittle - Integrity Home Mortgage Corporation

04/01/2025

Closing on time is a standard practice at Integrity, but now there’s an additional guarantee!

If we do not meet the closing date specified on the buyers ratified contract, we promise to compensate the buyer AND seller $1,000.

Let us help you get to the closing table on time!

On-Time Closing Guarantee - Terms and Conditions: https://ihmcloans.com/integrity-promise/

Rick Zittle
[email protected]
(304) 676-5366

03/31/2025

Community Lending Program Highlights:

■ Primary Residence

■ Conventional Only including HomeReady® and HomePossible®

■ Purchase and No Cash Out Refinance
● Loan Amount

03/27/2025

March Madness is wrapping up, but the homebuying game is just heating up! Get pre-approved now and be ready to score your dream home before the buzzer!

Reach out to get started, let's get you pre-approved and ready to win in this market!

Rick Zittle
[email protected]
(304) 676-5366

03/25/2025

Are you having difficulty saving for a down payment? In addition to our low to no downpayment options, don’t forget we also have state specific down payment assistant programs!

Maryland:
MMP Homestart
MMP 1st Time Advantage 5% DPA

North Carolina:
Home Advantage Mortgage
NC 1st Home Advantage Down Payment

Pennsylvania:
Keystone Advantage
K-FIT (Keystone Forgivable in Ten Years)
HOMEstead

South Carolina:
Palmetto Home Advantage
Families with Disabilities Initiative
Homebuyer Program $10,000 DPA
County First $10,000 DPA

Texas:
Mortgage Credit Certificate
Texas State Affordable Housing Corporation

Virginia:
VHDA Hampton Road
VHDA SPARC
VHDA Downpayment Assistance

West Virginia:
Low Down Home Loan
HOMEownership Loan

If you reside in one of these areas and are interested in finding out if you qualify for down payment assistance, please contact your local Integrity Home Mortgage Corporation Lender. We’re here to help you kickstart the process!

Rick Zittle
[email protected]
(304) 676-5366

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

03/24/2025

With Day 1 Certainty your loan may close faster!

IHMC uses Day 1 Certainty to prequalify our borrowers faster and with less documentation. This uses automation to collect your employment, income, and asset documentation rather than submitting your info manually.

This helps us prequalify and close our loans quickly and efficiently.

Lets get you to the closing table in record time.

**Not all borrowers will qualify for Day 1 Certainty. Conventional Loans Only**

**Available for conventional loans only.**

Rick Zittle
[email protected]
(304) 676-5366

03/20/2025

Spring has arrived, bringing longer days and a chance to refresh your home.

To tackle spring cleaning effectively, start by decluttering—remove items not used in a year, and consider donating them.

Don’t forget to clean hidden areas like light switches and ceiling fans.

Make the process enjoyable by playing music and treating yourself afterward.

For more tips, click the link below!
https://www.marthastewart.com/267295/spring-cleaning-checklist

Rick Zittle
[email protected]
(304) 676-5366

03/19/2025

Considering purchasing a home on a single income? It’s absolutely achievable! Here are some clever strategies to turn homeownership into a reality:

Reduce debt: Lowering your debt-to-income ratio can enhance your chances of mortgage approval.

Explore down payment assistance: Numerous programs provide grants or loans to assist with your down payment.

Think about gift funds: Certain loan programs permit family contributions to help cover initial expenses.

Obtain pre-approval: Understanding your eligibility can empower you to shop confidently within your financial limits.

Interested in learning more about your options? Contact us today!

Rick Zittle
[email protected]
(304) 676-5366

03/18/2025

What if your home could be the key to achieving your major financial ambitions? With a cash-out refinance, you can access the equity you've accumulated and put it to good use!

Enhance your living space: Turn those dream renovations into a reality.

Invest in your future: Finance education, launch a business, or boost your savings.

Consolidate debt: Decrease your monthly payments and alleviate financial stress.

Celebrate life’s milestones: Fund a wedding, vacation, or any significant event that’s important to you.

Since your home is one of your most valuable assets, why not leverage it for your benefit?

Let’s discuss how a cash-out refinance can provide you with greater financial flexibility and help you achieve your goals!

Rick Zittle
[email protected]
(304) 676-5366

03/17/2025

Feeling lucky? Your dream home is within reach! Let us guide you on your homeownership journey.

Happy Saint Patrick's Day from Integrity Home Mortgage!


Rick Zittle
[email protected]
(304) 676-5366

03/13/2025

Could waiting to purchase a home cost you in the long run? See how your monthly payment could change if prices and interest rates rise while you postpone your purchase to save up for a larger down payment or wait for just the "right" time. If you have any questions or want to talk more about a purchase, please reach out. I'm here to help.

How might a delay impact your home payment? Find out!

03/11/2025

If this sounds like something you’re interested in, don’t hesitate to reach out! Let’s get you started on your path to homeownership!

The Veterans Affairs (VA) Home Loan program offers significant features to veterans, active-duty service members, and eligible surviving spouses, helping them become homeowners.

Basic Eligibility Requirements:

■ To qualify, individuals must have completed 2 years of uninterrupted active duty (for enlistees after 9/7/1980 or Officers after 10/16/1981). If discharged, a minimum requirement is to have a discharge that is classified as "Under Honorable Conditions.

■ 6 years of cumulative service in the Selected Reserves or National Guard is required. If discharged, an "Honorable" discharge is necessary. It is crucial to mention that Reservist/National Guard boot camp does contribute to meeting the 6-year requirement.

■ 90 days of consecutive active duty under USC Title 10, followed by an honorable discharge, is required for military service members.

■ 181 days of consecutive active duty during peacetime are required for the following timeframes: (7/26/1947 – 6/26/1950 or 2/1/1955 – 8/4/1964 or 5/8/1975 – 8/1/1990)

■ Active duty and Reserve/NG service cannot be combined.

Rick Zittle
[email protected]
(304) 676-5366

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of the VA or the Federal government.

03/10/2025

As the days get brighter and the season of renewal begins, it’s the perfect time to start making moves toward homeownership.

Whether you’re looking for more space, a fresh beginning, or your dream home, now is the time to spring into action. Let’s turn your homeownership goals into reality this season!

Rick Zittle
[email protected]
(304) 676-5366