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yourFirst Mortgage®

Put homebuying within reach with a 3% down payment on a fixed-rate loan

We want to help more people buy a home of their own, even without a large down payment. Reach out to a 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 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.

Apply online

Our simplified mortgage application will walk you through each step.

Apply Now

Get prequalified

Have us contact you to see how much you may be able to borrow.

Get Started

Talk to a consultant

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.