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yourFirst MortgageSM

Put homebuying within reach with a down payment as low as 3%

We want to help more people buy a home of their own, even without a large down payment or traditional credit. Talk to your home mortgage consultant to discuss loan amount, loan type, and property to ensure eligibility.

Low down payment and out-of-pocket costs

  • Get a conventional fixed-rate mortgage with a down payment as low as 3%.
  • Use down payment and closing cost sources like gift funds and down payment assistance programs.

Flexible income and credit guidelines

  • Qualify with income from rentals or from someone who lives with you but isn't a borrower.
  • Show your credit history from sources like rent, tuition, and utility payments.
  • Qualify with no area median income requirements.

Being an informed homeowner

  • Homebuyer education may qualify you for an interest rate reduction if your down payment is less than 10%.
  • With a low down payment, mortgage insurance is required and increases loan cost and monthly payment.
  • See what options might be a good fit for your situation with our loan comparison tool.

 Did you know? 

Even if you're not a first-time homebuyer, this program is available to you.
You could become a homeowner sooner than you think. Contact Us
Conventional conforming mortgage
A mortgage that is not obtained under a government program (FHA or VA) and satisfies the underwriting guidelines and loan limits set by Fannie Mae or Freddie Mac.