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Mortgages Help & Tools
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Mortgage Programs for First Time Home Buyers
Qualify with as little as 5% down using funds for closing costs, which can come from a variety of sources, including a gift, seller’s assist, government grant or your personal funds. This low down payment program requires a minimum credit score of at least 660 and we can lend you up to $417,000. You will need to occupy the home as your primary residence and it is for all types of detached or attached housing, including condominiums. The eligible loan types are all of our fixed rate and adjustable rate mortgage products. Fixed rates can have terms of 30-, 25-, 20-, 15-, and 10-year terms. The ARM products can be a 1/1 ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM and 10/1 ARM, which often offer a significantly lower start rate than our fixed rate options.
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