First-Time Home Buyer Assistance
First-time home buyers have unique mortgage needs. That’s why we offer a variety of mortgage loans made to cater just to you. Apply right now to provide the necessary information and you’ll be connected with one of our long-bank-name Mortgage Officers.
The Affordable Home Mortgage Loan
Let’s build stronger communities together. The Affordable Home Mortgage Loan is an affordable mortgage loan featuring a variety of benefits for qualified borrowers who meet specific income criteria, or for eligible properties within a specific geographic area. short-bank-name Mortgage Officers can help you prepare to find the program and type of loan that best accomplishes your goals.
Benefits you should know about
Advantages
- Our Affordable Home Mortgage Loan Program offers a low down payment, closing cost assistance for qualified first-time home buyers, lender-paid private mortgage assistance, and other benefits on a Fixed Rate Mortgage for primary residents (no cash out refinance allowed).
- Our wide variety of mortgage loans cater your unique needs as a first-time home buyer.
- Applying for a loan lets you know how much home you can afford. We can help you get pre-qualified, so you know how to shop for a new home.
- short-bank-name is an FHA approved lender. Qualifying for an FHA loan from the Federal Housing Administration can help you if you are considered a low- to moderate-income family and have a smaller down payment or have lower credit scores than are typically required.
- Loyalty matters. A relationship discount may be available when you maintain minimum account balances. Speak to a Mortgage Officer for requirements.
Things to think about
Considerations
- Getting prequalified and providing the letter of pre-qualified to a seller can keep you in the running when you make an offer on a home.
- The ability to make your monthly payments is just the start. Don’t forget to budget for closing costs and earmark money for a down payment.
- Taking the time to educate yourself is important. Learn about what to expect during your home loan journey by speaking with one of our Home Loan officers. Contact us below.
Benefit from the house—and the deal that you want
Apply for an Affordable Home Mortgage Loan
The Affordable Home Mortgage Loan Program was created to equalize the playing field for borrowers, giving them the opportunity to qualify for home ownership in designated census tracts. You may be able to get competitive loan features, qualify for a larger loan, and relocate to a growing geographical area.
Own Your Home Twice as Fast
You’ll pay a bit more every month, but a short-term Fixed-Rate Mortgage can cut in half the amount of time it takes to own your home. Plus, you typically get a lower rate with a shorter term.
Use Relationship Pricing to Pay Less
Relationship Pricing is available on new adjustable rate mortgages only. Applicable for new or existing short-bank-name deposit and/or wealth balances totaling a minimum of $250,000. Zions Direct accounts, business operating accounts, and CDs are ineligible products for meeting the balance requirement. Relationship Pricing program is subject to change at any time.
Decisions Made Locally
We make our loan decisions at the local level, so we understand our clients and the market. That means you can benefit from a faster turnaround time on approvals. And can get your loan funded sooner.
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It only takes about 15 minutes to apply. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years) and gross monthly income.
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