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First Time Home Buyer Program

  • Available for borrowers about to purchase their first one-to-four family owner-occupied residence within our lending area
  • Favorable qualifying ratios
  • Reduced Attorney Settlement Costs
  • Both Fixed and Adjustable Rate programs available with LTV’s up to 95% (Private Mortgage Insurance may be required)
  • FIRST TIME BUYERS are eligible to finance up to a 90% LTV with NO PMI through the  7/1 ARM First Time Buyer Program