3% Down Fixed-rate Mortgages2

Make home ownership possible with as little as 3% Down.

3% Down2 Home Loans Make Home Ownership Possible

Purchase your first home without a big hit to your wallet. Our 3% Down Mortgages ensure that your payments will remain the same for the full term of your loan. These loans are great for home buyers looking for a mortgage other than an FHA loan.

Competitive with FHA:
  • No Up-Front Mortgage Insurance Premium (UFMMIP), compared to FHA loans 1.75%
  • Lower down payment; 3% Down Payment2 vs. FHA loans at 3.5% Down
3% Down2 Home Loan features:
  • Competitive interest rates
  • No points and closing cost options1
  • No negative amortization
  • No balloon payment
  • No pre-payment penalty
  • Interest may be tax deductible (consult your tax advisor)

We are here to help you open your home loan or find the right option to fit your needs. Give us a call at (877) 495-1600 or apply online today.

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3% Down Home Loan Features

3% Down Home Loan2
Terms 30-year Fixed
Down Payment 3% Down
Maximum Loan Amount $726,100
Loan Transaction Type Purchase, Primary, Single Family Residence
Credit for Closing Costs1 Seller credit allowed. Lender credit available.
Special Requirements Available to First Time Home Buyers who have not owned a property in the past 3 years.

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APR=Annual Percentage Rate. Rates and terms as of 3/22/2019 based on credit history, subject to credit approval, and subject to change without notice. Loans over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply. 

  1. Closing costs paid by the lender include title search, escrow, credit report, tax service, and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues, and for purchases, down payment, transfer taxes, and owner’s title policy.
  1. 3% Down fixed-rate estimated monthly payments.

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