Home financing with as little as 3% down.

Provides home financing solutions for established professionals who have student loans or limited savings. With down payments as low as 3%, financing a home might be more achievable than you think!

Program features:
  • Available for purchase and rate/term refinance with loan amounts up to $1,300,000
  • Down payment as low as 3%* with loan amounts up to $970,800
  • Available for certified public accountants, attorneys, and PhDs in a medical or non-medical profession. Third-party written evidence of an acceptable doctorate or Juris Doctor degree is acceptable
  • Available for owner-occupied 1-unit properties located in Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington

*Annual percentage rate (APR) based on an owner-occupied single-family residence in Grand Rapids, MI with a loan amount of $150,000, credit score of 740 and 3% down payment with tax and insurance escrows. The 5-year adjustable-rate loan APR is 8.698% and based on a note rate of 9.375% with 0 points and $1,247.62 principal and interest payments. After the first 5 years, your interest rate can change every 6 months and is subject to an initial interest rate cap of 2.00%, an annual rate cap of 1.00% and a lifetime cap of 5.00%. Payment amount shown does not include taxes and insurance premiums. The actual payment amount will be greater. At the first adjustment, the interest rate cannot increase above 10.698% or decrease below 3.875%. If the interest rate reached the lifetime maximum cap of 14.375% your payment would be $1,772.00. Actual payment amounts will vary after the first five years based on changes in the index. Interest rate as of December 2, 2022, and subject to change without notice. This is not a commitment to lend. All loans are subject to credit review and approval.