First Time Home Buyer Program

You and your family can work together to provide your down payment! We’ve reduced the down payment requirement to a minimum of 1% from the member’s own funds, allowing an immediate family member to gift you the other 2%.

We've also reduced our origination fee.

You can now borrow up to 97% of the sale price or the appraisal, whichever is less, thanks to our increased loan-to-value ratio (LTV). 

For example, if the home sells and appraises for $100,000, your 10/1 ARM mortgage loan amount could be up to $97,000. The other 3% or $3,000 represents your down payment.