First-Time Homebuyers

Our CB Pathway Home Loan makes your first home more affordable and within reach, with no private mortgage insurance and the flexibility to put down as little as 3%.
 

• 30-year term with a fixed rate that never increases
• No PMI requirement means lower monthly payments
• Just 3% down to get started
• Sellers can contribute up to 6% toward closing costs
• Use gifts or approved grants for most of your down payment (all but 1%)
• Perfect if you’re planning to stay in your home long-term
• Designed specifically for low to moderate income first-time buyers
• Certain income limits and restrictions apply

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A fixed-rate mortgage offers dependable monthly payments and a consistent interest rate, giving you confidence and stability throughout your homeownership journey.
 

• Flexible terms available: 15, 20, or 30 years to match your goals
• Low down payment options, starting at just 3% for first-time buyers
• All loans are reviewed and processed locally by our experienced team
• Secure your rate and plan ahead with certainty

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An adjustable-rate mortgage (ARM) starts with a lower fixed interest rate for 3, 5, 7, or 10 years, making it a great option if you expect to move or refinance before the adjustment period begins. After that, your rate will adjust every six months—but you’ll benefit from early savings when they matter most.
 

• Term options include 3/6m, 5/6m, 7/6m, and 10/6m
• Down payments starting at just 5%
• Ideal for short-term homeownership plans
• Lower introductory rates can help you save more upfront

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FHA loans help make homeownership more attainable with a low down payment and flexible credit guidelines—an ideal option if you’re still building your financial profile.
 

• Get started with as little as 3.5% down
• More flexible credit requirements compared to conventional loans
• Seller contributions can help reduce your closing costs
• No income restrictions to qualify

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VA loans are designed to recognize your service with valuable benefits that make homeownership more affordable and accessible for you and your family.
 

• 100% financing available with no down payment required
• Open to eligible active-duty members, veterans, National Guard, Reserves, and certain surviving spouses
• Choose from Purchase, Streamline Refinance, or Cash-Out Refinance options
• No private mortgage insurance (PMI) needed
• Seller contributions can help offset closing costs
• In some cases, you can purchase with as little as $500 out of pocket

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• 0% down payment for qualified borrowers
• 30-year term with a fixed rate that never increases
• Sellers can contribute up to 6% toward closing costs
• Use gifts or approved grants for most of your down payment; no minimum borrower contribution
• Certain income limits and restrictions apply
• Property must be in a designated rural area