We’ll help you get the house so you can make it a home.
If you’re ready to stop asking for permission to paint the walls, we’re here to help you sign the deed. But our programs aren't just about getting you through the front door—they’re about ensuring you can afford to stay there.
- Low down payment options as low as 3%
- Flexible loan terms
- Renowned low rates
- Fast closings with concierge-level service
- Special offers for first-time homebuyers only: reduced Private Mortgage Insurance (PMI) and appraisal-fee refund up to $800 on home loans closed by December 31, 2026.
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With our streamlined process, buying a home has never been easier.
Easily lower your monthly payment when mortgage rates drop in the future.
Mortgage rates change continually—protect yourself against an increase.
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Our online loan consultant can suggest loans and rates to match your needs.
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Minimum down payment and maximum loan
First mortgage for primary residences
Single-family homes, condominiums and townhomes
3% down payment:
loans to $1,209,750 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
10% down payment:
loans to $2,000,000 (90% LTV)
15% down payment:
loans to $2,500,000 (85% LTV)
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
2-4 unit
primary residences
20% down payment:
loans to $3,000,000 (80% LTV)
25% down payment:
loans to $3,500,000 (75% LTV)
30% down payment:
loans to $5,000,000 (70% LTV)
Cash out is available for refinance transactions with at least 20% down payment (up to 80% LTV).
First-time homebuyers
3% down payment:
loans to $1,209,750 (97% LTV)
5% down payment:
loans to $1,500,000 (95% LTV)
Ask a Loan Officer or Member Service Representative about lower mortgage insurance premiums and discounted appraisal fee.
First mortgage for secondary residences or vacation homes
30% down payment:
loans to $2,000,000 (70% LTV)
Single-family residence only.
Purchase or limited cash-out refinance option.
Loan Services
