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!

Lower 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.

Less-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.

Rent-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.