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yourFirst Mortgage®

Whether it’s your first home or your next, put homebuying within reach with a 3% down payment on a fixed-rate loan

You may be able to buy a home of your own, even without a large down payment. Talk to your home mortgage consultant to discuss loan amount, loan type, property type, and homebuyer education to ensure eligibility.

Low down payment and out-of-pocket costs

  • Get a conventional fixed-rate mortgage with a 3% down payment.
  • Use down payment and closing cost sources like gift funds and down payment assistance programs.
  • Qualify with no area median income requirements.

Being an informed homeowner

  • Ask how homebuyer education and an eligible down payment may qualify you for a closing cost credit.
  • 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 (such as FHA or VA). It also satisfies the standard underwriting guidelines and loan amount limits set by the quasi-government agencies, Fannie Mae and Freddie Mac. These loans, therefore, can be sold to either of these two agencies in the secondary market.