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Mortgage Loans

First-Time Home Buyers

Buying your first home is a big decision. We are here to help. An experienced loan officer will guide you through the process from application to settlement, and everything in between.

Our first-time home buyer programs make owning your first home more affordable with flexible terms to fit your needs.

Home Loan Programs

  • FHA Loan - ideal for first-time home buyers 
    • Put as little as 3.5% down
    • 100% of Gift Funds can be applied towards your down payment or closing costs
    • Less restrictive income and credit requirements
    • Tax deductible2 mortgage insurance (mortgage insurance is required)
  • ‚Äč0.25% rate discount* for first-time home buyers with at least 5% down 
  • Access to government home buying grants and incentives that provide down payment assistance
  • Cash back with our exclusive Loan Interest Rebate program1




Home Loan Resources

Home Loan Disclosures

*First-time Buyer and Buy in Baltimore rate discounts are not available on FHA loans and cannot be combined on the same loan. 1Certain conditions apply. Subject to annual Board approval. Not available on all loan types. 2Consult a tax advisor.

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