First-time Home Buyer

Your first home is out there. We have many ways to get you in.    We have several first time homebuyer programs, and will help you find the right mortgage. We provide a seamless home financing process that combines the expertise of our lenders with our in-house title services, for an exceptionally smooth process from application to closing. We are with you every step of the way.
Advantages: Low to no down payment options Low closing costs Seller credits could save you more Conventional fixed-rate mortgages Adjustable rate mortgages (ARMs) Speak with a Residential Loan Officer to learn more about any of these options: Government-insured programs FHA programs* NHHFA VA* USDA Rural Housing 97% financing programs HLPR (Home Loan Payment Relief) program It's easy to apply or get pre-approved! Online - Get started or select a loan officer.    Over the phone - Call us toll-free at 1-888-705-9596.	Mortgage Loan Tools Check rates » Payment calculator » Affordability calculator » Savings on home insurance » First-time Homebuyers FAQs »
In person - Call us at 1-888-705-9596, to set-up an appointment at a branch convenient to you. *Low rate guarantee: If a lower FHA or VA loan rate is found, St. Mary's Bank will lower its posted rate by up to 1/8 percent. Current Good Faith Estimate from competing lender required. St. Mary’s Bank is a member-owned, not-for-profit credit union. We are your trusted advisor. Count on us to deliver exceptional value with low rates and closing costs.

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