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Ask a Mortgage Banker

Our Ask a Mortgage Banker tool is a free, no obligation service that allows our experienced mortgage bankers to answer your most complex mortgage questions. Simply tell us your question below and we'll contact you within 24 hours with a professional response. Questions that may be helpful to the general public will be posted anonymously on this page. Over time, this tool will become a community resource to help potential homeowners everywhere.

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Buy a house with a 3.5% down payment*

We offer mortgages with 3.5% down payment, flexible credit options and excellent interest rates. Contact our team today.

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* We offer home mortgages with a down payment as low as 3.5% through a Federal Housing Administration (FHA) loan program. An example of such a loan is as follows: To purchase a $200,000 home, we would finance 96.5% or $191,437.43. Your down payment would be $7,000. To repay the principle and interest due on this loan, you would need to make 359 payments of $1,084.40 and 1 payment of $1,085.29. Payments do not include taxes and insurance and the actual payment will be higher. The interest rate associated with this example loan is 5.25% and is fixed for the entire term of the loan. The actual rate you will receive depends on a number of factors, including your credit and the interest rate environment at the time you lock your rate. The corresponding Annual Percentage Rate (APR) in this example is 5.829% and includes costs associated with closing. The total amount of interest paid over the life of the loan is $209,124.79. These terms are available for a purchase or refinance on your primary residence. APR and terms subject to change without notice. All loans are subject to credit approvals. Other restrictions may apply. Please contact a Mortgage Banker for additional details.

(1) We offer free ATM transactions on our consumer accounts excluding Opportunity Checking and The Urban Trust Success Card

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