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explore programs
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Equity Builder
Rather than using cash for a down payment, apply it towards a lower interest rate and shorter loan term.
SimpleLoan
Your mortgage loan will be ready to close in 15 business days or less.**
Conforming Advantage
Save with Northpointe Bank's low mortgage rates. Guaranteed.*
FreshStart
Financing for qualified borrowers who have had a financial hardship such as a short sale.
Homeownership Opportunities Program (HOP)
Qualified buyers can receive up to $8,000 towards closing costs or a down payment.
Construction & Vacant Land
Financing for the construction of a new home with as little as 5% down.
Renovation Loan
Programs that allow for the purchase and rehabilitation of a home.
Conventional
Options that allow for as little as 5% down.
FHA Loans
Financing with as little as 3.5% down and expanded qualifying ratios.
VA Loans
$0 down home financing options for active-duty military personnel, veterans, and their families.
Rural Development
$0 down home purchase financing program for buyers in eligible areas.
Jumbo Loans
Low rate options for loan amounts up to $2.5 million
Non Warrantable Condominium
Financing for newer condo projects that may not meet conventional program requirements
Doctor Loan
Physicians practicing or in residency may qualify for $0 down payment with no mortgage insurance.
Professional Loan
Home financing for established professionals for as little as 3% down without monthly mortgage insurance
State Bond Programs
Low down payment options for first-time and repeat home-buyers
Home Equity
Use available equity in your home for home improvement, debt consolidation, education, and more!
Home Affordable Refinance Program®
You may be able to refinance to a lower interest rate or more stable mortgage.
Investment Properties
Financing options for 1-4 family rental properties.
Tribute to Freedom
When you purchase or refinance a home, we will donate $125 to organizations that serve the military.
HomeReady
Are you ready? Imagine Home Ownership
I am very happy with our loan officer from Northpointe Bank. He was always willing to answer any question I had, and he walk me through the process. Great customer service and he made this much easier than I thought it would be. I would not hesitate to recommend Northpointe to anyone.
Andrew B.
Waxhah, NC
I have recommended Northpointe to my clients for over 10 years. So, when my husband and I were going to refinance our home a few years ago we called Northpointe. The whole closing went off without a hitch. I will continue to trust Northpointe with my personal mortgage needs as well as my client’s needs.
Carl G.
Holland, MI
The whole experience during the refinance process was excellent. Our loan officer answered all of my questions and was very proactive in communication with me. I appreciated being able to do 90% of the communication online because I have a very busy schedule and travel for my work.
Scott W.
Ridgway, CO
Refinancing with Northpointe was a great experience that exceeded my expectations. My loan officer was quick to respond to all questions and concerns. In addition he guided me through the entire refinancing process. I will recommend Northpointe to anyone looking to refinance.
David K.
St. Louis, MO
