Affordable Lending Programs

We offer a wide-range of programs to make first-time home ownership affordable.

When finding a mortgage that’s right for you, many factors come in to play. If you are a first-time homebuyer looking for affordable options, you may qualify for a number of special programs based upon your income, how much you can afford towards a down-payment, your credit history, and even the location of the property you’d like to purchase. Liberty Bank offers programs for the purchase (and in some cases refinancing) of owner-occupied 1- to 4-family properties, Planned Unit Developments (PUD) or condominiums. No matter what you’re looking for, our Loan Officers will work with you to find your perfect home loan based on your specific situation.  

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*:

  • 15, 20 or 30 year fixed-rate.
  • Up to 97% financing.
  • Interest rate .50% below posted fixed rate for purchases and .25% below posted fixed rate for refinances.
  • Processing fee waived.

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.

In the market for down-payment and closing costs assistance?

You may qualify for our Equity Builder Program:

  • Grant funds available first come, first served.
  • Assists eligible homebuyers with up to $15,000 in down-payment and closing costs.

You may qualify for a CHFA 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 payment.

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.

Name
First Name
Last Name
E-mail Address
Ex: myname@example.com
Phone Number
Ex: 860-123-4567
Town you reside in:
 
Town you are interested in purchasing a home in:
 
Preferred method of contact:
Preferred method of contact:

 
Best time to reach you:
Best time to reach you:

* Loans are subject to credit and underwriting approval. Available for properties 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.

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