We offer flexible financing options that fit you with the best home loan at the lowest possible cost. Whether you’re a first-time homebuyer or a homeowner looking to refinance, our Home Loan Experts will guide you through the entire process.

With HomeReady, you can:

  • Qualify for a loan with as little as 3% down payment
  • Use income from non-borrower household members to qualify
  • Include co-borrowers who won't reside in the home
  • Use gifts and other non-traditional sources of funds to cover down payment or closing costs 

With all these borrower-friendly features, the HomeReady program could be the key to the home loan you’ve always wanted.


Disclosure: Approval is subject to credit qualifications including credit history and underwriting factors. Not all borrowers and properties will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. Equal Housing Opportunity.

See what our customers have to say:

"Everybody we worked with were very professional and helpful. They also did a great job at keeping us informed at all times."

Kimberly S. - iQ Member/Homeowner

"I’m officially a homeowner! Thank you very much I appreciate all you did for me to make this happen!"

Shar M. - iQ Member, 2018 Homeowner