Homebuying Assistance

Skip the rent. Buy with low upfront costs. 80/20 and 100% LTV loans or FHA assistance with a 600+ credit score.1

Family of four sitting on steps in front of house

Conquer down payment fear

Your own pad awaits—let’s make it happen!


Easy loans? Low down payment? We’ve got you.

80/20 & 100% LTV Loans
If funds are tight, our 80/20 and 100% LTV loans might be your answer. Just keep in mind, closing costs1 are part of the deal.

FHA Down Payment Assistance Program 
Have a credit score of 600 or above? Great! Our FHA program provides a second mortgage to cover the down payment and closing costs. Payback is required.


Save yourself the struggle

When navigating finances has your head spinning, our mortgage specialists can step in to help you stay informed and make the right choice for your future.

Our loan experts have years of experience helping people buy homes and find the right loan.

Mortgage FAQs

There are criteria every borrower must meet to qualify for a mortgage loan with us. This typically includes two years of employment at your job or in the same line of work, a minimum credit score of 620, and verified funds to close on the transaction. Once these boxes are checked, our experts can help you figure out the rest. Loans are subject to credit review.

We use a simple formula to determine your maximum mortgage payment. It adds up to this: your monthly income multiplied by 0.45, minus your liabilities. The resulting number is the highest mortgage payment you may be approved for. From there, you can adjust your search to find the perfect home within your reach.

Figuring out how much home you can afford is a key step in the home-buying process. Start by weighing how much money you have coming in, including your monthly income and any other streams of income (pensions, rental income, investments, etc.), versus how much you have going out to cover costs like student loans, credit card balances, and car payments. Other factors come into play, like how much money you are putting down on the home, property taxes, homeowner’s insurance, and HOA fees that may be associated with the home.

Below is a glossary of terms to help you understand how your home affordability if determined.

  • Debt ratio – This is determined by dividing your monthly debts versus your monthly income. Depending on the mortgage product, your debt ratio can usually not exceed 45-50%.
  • Loan-to-value – The amount of mortgage you are financing versus the appraised value of the home. The higher your down payment, the lower your loan-to-value.
  • PMI – Private mortgage insurance (PMI) is a type of mortgage insurance you are required to buy if you take out a conventional loan with a down payment of less than 20% of the purchase price.

Your credit score is a vital part of determining your mortgage rate and loan amount. A higher credit score could result in a lower rate and lower monthly payment, while a lower credit score could result in a higher rate and higher monthly payment.

You can get started with a pre-qualification process before you begin your search. You’ll know exactly what to expect, the type of monthly payment you’ll have, and the funds you’ll need to close. We know the last thing you need is to find the perfect home and fall in love, only to learn it’s not in your budget.

Our Mortgage Specialists are here to help! You can reach out to any of our local professionals for assistance directly via the phone numbers and email addresses provided on our website.

Not the right mortgage match? Swipe right on our other options!


FHA and VA Loans

FHA and VA loans are government-backed mortgage loans that make it easier for veterans, servicemembers, and first-time homeowners to buy a house.


Fixed-Rate Mortgage

A fixed-rate mortgage offers a stable interest rate for people looking to settle on the right home and stay there awhile.


Adjustable-Rate Mortgage (ARM)

With an adjustable-rate mortgage, you can lock in a low starting rate and choose the option that fits your needs and budget.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.


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1Loan terms subject to credit approval and may vary based on creditworthiness. Additional terms and conditions may apply.