Find the home loans that fit your client's needs

For more program details, visit our loan program overview page

Lock and Shop

Lock in a rate for an extended period of time while you search for your dream home.

Temporary Buydown

Your interest rate may be bought down for up to three years at the beginning of the loan, reducing your initial monthly payments


Negotiate your purchase terms with confidence by having a full credit approval in hand

Rate Refresh Guarantee

If rates drop after you close, Northpointe Bank will help save you time and money when you are ready to refinance

Delayed Financing

Provides eligible borrowers a competitive advantage of buying a home with cash reserves and then replenishing your funds by refinancing

No Money Down

Buy the home of your dreams with 100% financing and no money down


Financing for the construction of a new home with as little as 5% down.


Build equity fast with a lower interest rate.

All In One Loan

Home financing & personal banking combined into one simple tool

Vacant Land

Options if you are looking to purchase a lot or land

New Start

Offers financing options for borrowers who are recovering from a significant credit event.


Your home loan will be ready to close in 15 business days or less.**


Programs that allow for the purchase and rehabilitation of a home.


Options that allow for as little as 3% down.

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.


Provides eligible borrowers access to financing for higher loan amounts

Conforming Advantage

Offers a lower rate than our standard conforming programs when you have qualified credit

Non Warrantable Condominium

Financing for newer condo projects that may not meet conventional program requirements

Doctor Loan

Designed for borrowers who have student loans or limited savings.

FHA loan

Financing with as little as 3.5%

Professional loan

Home financing for established professionals with as little as 3% down

State bond programs

Low down payment and grant options for first-time and repeat home buyers.

Investment properties

Financing options for 1-4 family rental properties.

Home Equity

Use available equity in your home for home improvement, debt consolidation, education, and more!


Are you ready? Imagine home ownership

Expanded portfolio

The Expanded Portfolio programs help more customers qualify for affordable home financing.