Mortgage options for all our neighbors

FHA loans allow low down payments – as low as 3.5% - helping to make homeownership possible, especially for first-time home buyers. They’re flexible with credit requirements, often accepting borrowers with scores as low as 580. Additionally, they’re assumable, meaning a future buyer can take over the loan if rates go up – a big selling point for later.

Eligible veterans and active-duty service members can buy a home with no money down, making homeownership accessible and affordable. Even with 0% down, VA loans do not require private mortgage insurance (PMI). Because they’re backed by the government, VA loans often come with lower interest rates than other loan products.

RHS loans offer 0% down for rural and suburban home buyers, and monthly mortgage insurance costs are lower than FHA loans, helping to keep regular payments manageable. With flexible credit requirements, RHS loans can be a great option for buyers with limited credit history.

Conventional loans skip the up-front mortgage insurance cost and all Private Mortgage Insurance drops once eligible homeowners reach 20% equity. With higher loan limits, conventional loans allow you to borrow more than you could with FHA loans, often in high-cost areas. Conventional loans also allow for a second home or investment property, something many other loan products do not.

KHC loans offer up to $10,000 down-payment assistance for qualified buyers, a Mortgage Revenue Bond program that locks in below-market fixed rates, plus accessible credit requirements accepting scores as low as 620.

Up to 100% financing is available with our Community First Mortgage. With just a $500 minimum borrower investment, we offer competitive closing costs and fixed rates. This product can be used to purchase or refinance a primary residence in the counties in which we're located. With a lower required credit score and lower required initial investment, we aim to expand homeownership opportunities within our communities.