Your Home Ownership Journey
Starts Here
You deserve to get into the home you want. That’s why we’re proud to offer special 0% and 3% down mortgage loans that can make the home-buying process easier for you!
First-Time Home Buyer Program
Buying your first home should be as smooth and stress-free as possible. This program aims to make the process easier – and we’ll be there to help every step of the way
Key features:
- 100% financing
- No down payment needed
- No mortgage insurance required
Eligibility requirements:
- Minimum FICO score of 680
- Not owned a home in the past 3 years
0% Down Mortgage Loan Program
This is another great way for first-time home buyers to enter the market. You can finance 100% of your mortgage with no down payment!Key features:
- Does not require you to purchase your home in targeted markets
- Homebuyer education class not required
- No income restrictions. Does require a 43% maximum debt-to-income ratio
Eligibility requirements:
- Minimum FICO score of 700
- Home must meet the owner-occupancy requirements and condominium warrantability
3% Down Mortgage Loan Program
We designed this loan to ease the burden on home buyers. You can borrow with a low 3% down payment with no restrictions on gifted down payment funds.
Key features:
- Reduced mortgage insurance premiums available
- No income restrictions
- While this program allows for primary residences only, the borrower may have owned other residential properties
Eligibility requirements:
- Minimum FICO score of 680