Affordable Lending Programs

Find your [home sweet home] place.

So many factors come in to play when finding the mortgage that’s just right for your situation. If you are a first-time homebuyer looking for affordable options, you’ve come to the right place.

Your income, how much you can afford toward down-payment, your credit history, and even the location of the property you’d like to purchase may qualify you for any number of special programs. These programs are for the purchase (and in some cases refinancing) of owner-occupied 1- to 4- family properties, Planned Unit Developments (PUD) or condominiums.

Are you a military veteran?

You may qualify for a VA loan:

  • Low down-payment on purchases.
  • 15-30 year terms on purchases or refinances.

Are you looking for a lower interest rate?

You may qualify for our Good Neighbor Program – Liberty Bank’s unique program for supporting home loans in specific communities targeted by the Community Reinvestment Act.1           

  • 15, 20 or 30 year fixed-rate.
  • As low as 3% down with no mortgage insurance.2
  • Interest rate .50% below posted fixed rate for purchases and .25% below posted fixed rate for refinances.
  • $200 mortgage closing cost credit.

Are you looking for a lower interest rate or a low down-payment option?

You may qualify for a FHA or CHFA loan:

  • 30-year fixed rate loan.

Are you looking for down-payment and closing costs assistance?

You may qualify for the Equity Builder Program:

  • Assists eligible homebuyers with up to $11,000 in down-payment and closing costs
  • Available to households with incomes at or below 80% of HUD Area Median Income based on property location
  • Recipients must attend homebuyer education/counseling program
  • Grants funds are first-come, first-served

You may qualify for a CHFA DAP (Down-payment Assistance Program):

  • Funds can be used towards down-payment and closing costs.
  • Low monthly payment.

You may qualify for Housing Development Fund SmartMove:

  • Assists eligible homebuyers with up to 20% of the purchase price towards down-payment.
  • Low monthly payments.

1 Loans are subject to credit and underwriting approval. Available for properities in low- or moderate-income census tracts in Liberty Bank’s market (your lender can provide more location details). Certain fees, restrictions and other terms and conditions may apply.
2 No mortgage insurance requires a FICO score of at least 700. A FICO score below 700 requires  borrower paid mortgage insurance.

Let's get the conversation going. You start. Call us today at 888-570-0773 or leave us your contact information and we will be in touch.

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