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.

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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 or refinances.

Ask more about our VA Loans

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.

Ask more about our Equity Builder 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 rate .50% below posted fixed rate for purchases and .25% below posted fixed rate for refinances
  • A $200 mortgage closing cost credit

Ask more about our Good Neighbor Program

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.

Ask more about our Down Payment Assistance Program

FHA and CHFA Loans

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

Ask more about our FHA and CHFA Loans

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. 

Ask more about our Housing Development Fund SmartMove


  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.

Get More Information About Our Affordable Lending Programs

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