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Income Based Programs

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Buying your new home might be easier than you think!

Apply for Your Mortgage  or   Check Our Mortgage Rates

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Qualifying for your new home is closer than you think. In a financial bind when it comes to buying a new home? Let us help! We have flexible, income-based financing options!

  • Home Possible AdvantageSM
    Home Possible AdvantageSM mortgage is designed for low to moderate-income homebuyers and offers financing for as low as 3% down. It is great for first-time home buyers.  
     
  • Homes for Iowans (IFA)
    The Iowa Finance Authority (IFA) offers this program which provides borrowers with $2,500 for down payment and closing costs assistance to eligible first-time and repeat home buyers who are purchasing a primary residence in Iowa and meet household income and purchase price requirements. Optional grant or $5000 second mortgage with no monthly repayment.
     
  • First time Homebuyer Program (IFA)
    Financing option with a down payment as low as 3%. This will save significant money up front and throughout the years to come. Optional $2500 grant or $5000 second mortgage with no monthly repayment to assist with down payment and closing costs. Learn more.
     
  • Income Based Program (LMI)
    Adjustable rate mortgage with up to 97% financing. The down payment requirement is just 3% and can be used with approved grant funds and gifts for down payment assistance. Income requirements apply. Learn more.
     
  • USDA Rural Development
    Loan option that allows for 100% financing. This program gives low to moderate-income homebuyers the opportunity to own a primary residence in eligible rural areas with no down payment requirement with a 1% guarantee fee that can be financed. Must meet income eligibility requirements.

Make homeownership possible today!

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