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Affordable Housing Programs*

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 and HUD Section 184* 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 interviews with housing counselors or technical and educational support classes.

For more information on our Affordable Housing Programs, please contact our affordable housing loan officers at (602) 351-3818 or toll free at (800) 655-7622.

We offer specific programs for...

  • First time home buyers
  • Those in need of down payment assistance
  • People with limited credit history due to uncontrollable circumstances

Additional Benefits:

  • Out-of-pocket expenses are reduced
  • Receive personal consideration of your unique credit situation through flexible underwriting
  • Receive step-by-step information on becoming an eligible home buyer through personal interviews with housing counselors
  • Down payment/closing cost assistance available up to 5% of loan amount

Apply online today

*For more information on HUD Section 184 program click here.

For information on SWONAP click here.

*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.


Mortgages: Purchase & Refinance
Lot/Construction Financing
Affordable Housing Programs
One-Time-Close Loans
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