Mortgages made for first-time homebuyers.

As a first-time homebuyer, finding a mortgage that’s just right for you can seem a little intimidating. That's why would-be homebuyers turn to Liberty Bank. We guide you through every step of the process. And offer you affordable options that fit perfectly with your new home. From low rates to low down payment options, we’ll help you find your confident place. And put you into your first home in no time.

Affordable Mortgage Programs

You may qualify for any number of our special programs depending on your income, how much you can put toward a down payment, your credit history, and the location of the property you’re interested in.

VA Loans

If you’re a military veteran, you may qualify for a VA loan. Benefits include a low down payment on purchases and 15-30 year terms on purchases or refinances.

Equity Builder Program

Eligible homebuyers can receive up to $11,000 in down payment and closing cost assistance. It’s available to households with incomes at or below 80% of HUD Area Median Income based on property location. Grants are first come, first served and you must attend a homebuyer education/counseling program.

Liberty Bank’s Good Neighbor Program

Our unique way to support home loans in specific communities targeted by the Community Reinvestment Act.1 If eligible, you could receive:

  • A 15, 20 or 30-year fixed rate
  • As low as 3% down with no mortgage insurance2
  • A rate .50% below posted fixed rate for purchases and .25% below posted fixed rate for refinances
  • A $200 mortgage closing cost credit

CHFA DAP (Down Payment Assistance Program)

Eligible homebuyers can get assistance with funds for down payments and closing costs. Mortgages include a low monthly payment.

FHA and CHFA Loans

Looking for lower interest rates and low down-payment options? You may qualify for a FHA or CHFA loan with a 30-year fixed rate.

Housing Development Fund SmartMove

Eligible homebuyers can receive up to 20% of the purchase price of their home to use toward a down payment. Mortgages include a low monthly payment. 

Disclosures

  1. 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.
  2. No mortgage insurance requires a FICO score of at least 680. A FICO score below 680 requires borrower paid mortgage insurance.

Get More Information About Our Affordable Lending Programs

*Denotes a required field

How would you like us to contact you?
What’s the best time to reach you?
Please Remember: Do not email private information or account information via this form.

Related Products and Services

Savings Accounts

With convenient access to your money and low or no minimum balances, your confidence is compounded daily.

Investing

We’ll help you plan and stay on track to meet your long-term financial goals.

With Liberty Bank, you're going places. In this case, to a different website.

cancel continue
Disclaimer: Links to third party sites are provided for your convenience. These sites are not within the control of Liberty Bank and may not follow the same privacy, security, or accessibility standards as Liberty Bank. Liberty Bank does not warrant any offerings from the third party providers, nor is Liberty Bank responsible for the security, content or availability of any third party sites, or their partners.