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Make yourself at home.
Buy it new!

Mortgages with less than 20% down!1
We offer low down payment options.
✓  First-Time Buyer Program
✓  FHA Loans

5% Down Construction Loan!2
Construction loan converts to regular mortgage.

✓ Great low rates

Competitive rates and options!
Programs with affordable house payments.
✓ Historic low rates
✓ Low closing costs
✓ Streamlined processing

Apply Now     Check Rates     Closing Cost Coupon

                                                                               
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Fixed or adjustable rates?

Fixed-Rate Mortgage Loan
  • No PMI with minimum down payment
  • Monthly principal and interest payments never change
  • Interest rate stays the same for the entire loan term
Adjustable-rate
mortgage loan (ARM)
  • Note rate may change after initial term
  • Monthly payment is lower in the early years of the mortgage
  • A lower initial interest rate than a fixed-rate loan
                                                                       
                                                                               
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Need specialized mortgage loan financing options?

First-Time Buyer Mortgage Loan
  • Special grant funding for down payment and closing cost assistance
  • Affordable monthly payments
  • Lower closing costs and a very low down payment
  • No income restrictions
Construction Loan
  • One loan closing; construction loan becomes your permanent mortgage
  • Very low down payment
FHA Loans
  • Minimum down payment
  • Down payment and closing costs may be gifted
  • Seller may contribute towards buyer closing costs
VA Loans
  • Zero down payment
  • No private mortgage insurance (PMI) requirement
  • Easier credit qualifying
USDA Loans
  • No down payment required
  • Not limited to first time home buyers
  • Flexible credit guidelines
Jumbo Loans
  • Mortgage loans over $417,000
Lot Mortgage Loans
  • To purchase land for a future home
Portfolio Loans
  • For a variety of special circumstances
                                                                       

Ready to take the first step toward
financing your dream home?

Contact a Home Savings Mortgage Loan Professional near you to learn more about our home loan programs!  Or call 1.888.822.4751.

1  Payment example as of 3/27/2014: 4.50% note rate, 4.558% Annual Percentage Rate. Interest rates based on a $150,000 loan with 5% down. 30-year mortgage would be paid in 360 monthly principal and interest installments of $760.05 each. The payment example does not include amounts for taxes, homeowner’s and mortgage insurance. Rates subject to change without notice. Other rates and terms available. Additional terms and conditions apply. Property insurance required. Must be a single-family, owner-occupied residence. All credit services are subject to credit approval.
2  Payment example as of 1/30/2014: 5.00% note rate, 5.048% Annual Percentage Rate. Interest rates based on a $200,000 loan with 5% down. 30-year mortgage would be paid in 360 monthly principal and interest installments of $1073.64 each. The payment example does not include amounts for taxes, homeowner’s and mortgage insurance. Rates subject to change without notice. Other rates and terms available. Additional terms and conditions apply. Property insurance required. Must be a single-family, owner-occupied residence.
All credit services are subject to credit approval.

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