First-Time Homebuyers
Welcome Home Program
Specially-designed for first-time homebuyers and those who haven’t owned a home in the last three years.
No PMI Required* - for loans up to 90% Loan-to-Value (LTV)
Up to 95% LTV**
Up to $350,000
Flexible terms to meet your needs
Lower monthly Payments
...than some other mortgage options! No Private Mortgage Insurance (PMI) on loans up to 90% Loan-to-Value (LTV). That’s more money in your pocket every month!
Back to TopLower down Payment
Loans up to 95% LTV (with PMI), meaning you can get more home for your money or keep more of what you saved for things like improvements or moving expenses.
Back to TopLess-than-perfect credit ok
We are dedicated to looking at each borrower individually. We don’t automatically deny anyone based on credit alone and your credit won’t affect your interest rate.
Back to TopRent-to-own accepted
Are you in a current rent-to-own agreement***? Convert that to a traditional mortgage and your payments so far could be considered toward your down payment!
*No Private Mortgage Insurance (PMI) required on loans at or below 90% loan-to-value (LTV). **Loans over 90% and up to cl95% LTV require PMI. ***Rent-to-own must provide rental purchase agreement and proof of payments. All loans subject to underwriting guidelines. Terms subject to change at any time. Equal Housing Lender. NMLS#401002.