Personal Banking

If you are a first time buyer with limited savings for a down payment, ask about our Affordable Housing Programs. These programs provide down payment and closing cost assistance, low percentage down payment loans and competitive rates. With less out-of-pocket expense you retain more of your savings for the unexpected expenses of home ownership. Conventional, FHA and VA loans are available.

If you have a limited credit history, you will need a lender who understands credit issues caused by uncontrollable circumstances. Our flexible underwriting can assist you in obtaining financing.

Get step-by-step information on becoming an eligible home buyer through personal interiews with housing counselors or technical and educational support classes.

For more information on our Affordable Housing Programs, please contact Ramona Tovar at (602) 235-6000 or toll free at (800) 655-7622.

Down payment and/or closing cost assistance programs are dependent upon availability of funds from various community, government or city programs. Certain income and purchase price limitations apply. Loans subject to credit approval and property evaluation. Certain restrictions apply.