Tammy Bullard MLO #2025610 - Integrity Home Mortgage Company

01/14/2026

08/14/2025

A Lighthearted Reminder… but it’s true!
While it may seem exaggerated, making significant financial changes during the loan process can genuinely disrupt your closing.

Key Takeaway:
Before making any major decisions (such as a new job, large purchases, or credit inquiries) — reach out to your Loan Officer first. We’re here to ensure you navigate this process smoothly!

Tammy Bullard
[email protected]
(703) 943-8881

08/13/2025

Ready to buy your first home but worried about the down payment?

We can help with up to 5% Down Payment Assistance through the Maryland Mortgage Program Flex — including special options for first-time buyers, veterans, and buyers in targeted areas!

• 0% interest on assistance loans

• No payments on the second lien during the life of the first mortgage

• Flexible programs to fit your needs

Reach out today to find out which program is right for you and take your first step toward homeownership!

Tammy Bullard
[email protected]
(703) 943-8881

*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.

08/12/2025

Dreaming of Your Future Home?
With our Lot Loan program, you can secure land now and take your time to build.

• Up to 90% LTV
• 10% down minimum
• Up to 10 acres
• Flexible terms up to 10 years

Tammy Bullard
[email protected]
(703) 943-8881

Program not available in DC or Texas. The buyer must become a Members 1st Credit Union member.

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

08/11/2025

"No Ratio. No Worries."
Forget the debt-to-income math — our No Ratio Loan looks at the big picture, not just your numbers. Perfect for unique income situations & first-time buyers!

• Up to $2M loan amounts
• Fixed & ARM options
• Primary & 2nd homes
• Gift funds welcome
• 401K & stock can count as reserves

Tammy Bullard
[email protected]
(703) 943-8881

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender.

Not available in DC, MD, PA, WV. Minimum requirements apply.

08/07/2025

Today, on National Purple Heart Day, we honor the courage and sacrifice of the service members who were wounded in defense of our country.

One way we can show our gratitude is by ensuring our heroes have access to the benefits they've earned—like VA-backed home loans.
If you're currently renting, you might be surprised how close you are to owning a home of your own.

Compare your rent to the chart below—you may find that homeownership is more within reach than you thought.

Let’s connect and explore what your service has made possible. You’ve earned it.

Pro
duct and interest rates are based on rates from 07/23/2025 are subject to change at any time without notice due to changing market conditions. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and amount of documentation provided. The stated rate may change or not be available at the time of loan commitment or lock-in.
Tammy Bullard
[email protected]
(703) 943-8881

*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.
*Product and interest rates are based on rates from 07/23/2025 are subject to change at any time without notice due to changing market conditions. Actual rates available to you may vary based upon a number of factors including your credit rating, size of down payment and amount of documentation provided. The stated rate may change or not be available at the time of loan commitment or lock-in.

08/05/2025

Timely Closings at Integrity: An Added Guarantee

At Integrity, we pride ourselves on our punctual closings, and now we’re introducing an extra assurance!
If we fail to meet the closing date outlined in the buyers' ratified contract, we will compensate both the buyer and seller with $1,000.

Allow us to assist you in reaching the closing table on schedule!

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

Tammy Bullard
[email protected]
(703) 943-8881

08/04/2025

Need help qualifying for a home loan? FHA has a family friendly solution!

What is a non-occupying co-borrower?
A non-occupying co-borrower is someone who helps an applicant qualify for a FHA loan by applying with them —but does not live in the home.

Who can be a non-occupying co-borrower?
Must be a blood relative or closely related by marriage or law:

■ Parents (including stepparents and foster parents)
■ Spouses or domestic partners
■ Children (including stepchildren, foster children, and adopted children)
■ Siblings (including stepsiblings)
■ Grandparents (including step-grandparents and foster grandparents)
■ Aunts and Uncles
■ In-Laws (including a son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, or sister-in-law)
■ (Non-relatives may qualify in rare cases with extra documentation.)

This may be a perfect option for:
■ First-time buyers
■ Young professionals
■ Families looking to build equity and create opportunities for future generations

Ready to step out and make some big changes in your life? Reach out and let's get you started on your journey to homeownership.

Tammy Bullard
[email protected]
(703) 943-8881

*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.

07/31/2025

Let’s keep things in perspective with mortgage rates today.

In 1975, the average mortgage rate was 9.05%.
In 1985? 12.43%.
Even in 1995, it was 7.93%!

If you were waiting for rates to drop back then, you could’ve been waiting 20 years to buy a home.

Here’s the thing: rates go up and down. But trying to time the market? That usually means missing out. Buying a home is about the long game —building equity, stability, and wealth over time. And today’s rates? Still far from the worst we’ve seen, and we don’t have a crystal ball for when it drops.

Perspective is powerful — and so is ownership.

Tammy Bullard
[email protected]
(703) 943-8881

07/29/2025

The CLP (Community Lending Program) offers pricing incentives on conventional loans in areas identified as underserved, helping borrowers qualify and achieve significant savings.

If you want to know if a house in your area qualifies for the CLP, reach out today and we'll be happy to help!

Tammy Bullard
[email protected]
(703) 943-8881

07/28/2025

FIXLINE: A Stable Alternative to Traditional HELOCs

FIXLINE offers a fixed interest rate, unlike conventional HELOCs with variable rates, ensuring consistent monthly payments for financial predictability. It's ideal for those who prefer stability, especially for long-term projects or expenses.

This dependable option allows homeowners to access equity without worrying about fluctuating rates, making it a straightforward financial management solution.

Tammy Bullard
[email protected]
(703) 943-8881

Integrity Home Mortgage Corporation is acting as a mortgage loan broker and the loan will be provided through a third-party lender. Not available in West Virginia.

07/24/2025

We’re not a 9–5 kind of team. Weekends, evenings—yep, we’re in. (We might sneak in a vacation once in a while.) But when you’re buying a home, we show up until the keys are in your hand.

Tammy Bullard
[email protected]
(703) 943-8881