primary home


Are you a First Time Buyer?

Down Payment Assistance-We offer down payment assistance to first time buyers. This amount may be up to 10 percent of purchase price. It may be used for down payment, closing costs and anything else. Even furniture! This zero interest money may be used with any of our programs including conventional, VA, FHA and USDA. Call for details about this exciting program.

Non-Traditional Credit-Our first time buyer programs are designed to accept non-traditional credit such as evidence of timely rent and utility payments. Little to no contribution from your own funds is required as funds for down payment and closing costs can come from a variety of sources including: gifts, grants, loans from relatives or nonprofit groups or employer-assisted housing.

How it Works-First time buyer financing is available to help you buy or refinance a single-family home, condo, or a two to four family home that you will live in as your primary residence. Qualifying income includes many sources besides wages, such as income from boarders. Proof that you handle credit responsibly can include rent payments, payments for utilities or other payments you make on a regular basis.