HomeOne℠ mortgage is made available to qualified first-time homebuyers for a low down payment of just 3%.This low down payment option serves many first-time homebuyers’ needs, along with no cash-out refinance borrowers. Additionally, this program allows more first-time homebuyers to achieve the homeownership milestone, regardless of their income or geographic location. HomeOne℠ reflects a dedication to responsible lending, sustainable homeownership, and improving access to credit.

With more flexibility for maximum financing, HomeOne℠ provides expanded opportunity and greater certainty to bring more borrowers to the closing table by allowing both Affordable Seconds® and other secondary financings, the maximum being 105%

The HomeOne℠ program is ideal for:

• First-time buyers who plan to occupy the home as a primary residence
• All borrowers must occupy the mortgaged premises as a primary residence.
• Have had no ownership interest (sole or joint) in a residential property during the three years preceding the date of the purchase of the mortgaged premises.
• 1-unit properties, including condominiums and units in planned unit developments (no manufactured homes)
• Have limited cash for a down payment — but at least $1000.00
• 620 Min FICO Score without affordable seconds
• 640 Min FICO Score with affordable seconds
• 97% LTV / 105% TLTV (when secondary financing is an Affordable Second ) / 97% HTLTV.
• The standard required, or custom MI coverage levels for HomeOne℠ are 35% and 18%, respectively.

Click to apply now and begin your home buying process.

Book a free 30-minute consultation with an expert.

Watch this video and complete the certificate for a $25 credit

P.S. Don’t go to your local bank; let us take you to 125 specialized mortgage lenders to find the best program at the most affordable price.

Upload the certificate for $25 credit and begin your mortgage application.