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Become a Homeowner
Affordable Home Loans
0% down payment loans, no PMI, flexible underwriting and more.
If you dream of becoming a homeowner, we’re here to help — from the initial inquiry to closing and beyond.

Serving Our Members With Affordable Home Loans

Not sure which loan is right for you? We'll work with you to find the best choice.

CONNECT WITH US TODAY

"Equity Boost"
Loans

  • For borrowers with modest incomes
  • 0% down payment
  • $2,000 gift to jump-start your rainy day fund
  • No PMI
  • Minimum credit score 580

"Self-Help 100"
Loan

  • No income or purchase price limits
  • 0% down payment
  • Borrower contributes 1-4% of purchase price
  • No PMI
  • Minimum credit score 620

Standard Portfolio
Loans

  • No income or purchase price limits
  • 3% minimum down payment
  • Affordable payments
  • No PMI
  • Minimum credit score 580

Mortgage Loan
Refinance

  • Lower your payments on an existing mortgage
  • Take advantage of lower interest rates
  • Change your loan term
  • Remove PMI
  • Tap into the equity on an existing mortgage

Invest in Your Future

Whether you want to create generational wealth, build equity over time, or just get relief from rising rents, buying a home can be a powerful financial move.
Our Homebuying Process
From helping you build credit to finding the right loan and navigating the closing process, we’re here to provide guidance you can trust every step of the way.
Video
Do you dream of having your own home?
Robin and Tarish Pipkins knew they wanted to be homeowners. They worked on their finances, made a plan, and eventually connected with Self-Help for a home loan. Now, they are living their dream. Congratulations to the Pipkins!
Show Transcript

Our Top 3 Homebuying Tips

Buying a home is a big step, but we're here to make it easier! Here are our top tips:

  • Create a budget and decide what you can afford. Self-Help members have access to free personalized financial coaching to help you come up with a plan.
  • Assemble a team of professionals you trust. Having a lender and a real estate agent who are on your side helps make the homebuying process easier. At Self-Help, we’re here to support you every step of the way.
  • Find the right loan for you. Selecting the right loan can make a big difference in the impact on your finances. Our experienced home loan team will help find the loan that's right for you, and if we think you can get a better deal with another lender, we'll tell you.

Ready to get started? Connect with our experienced home mortgage team today.

Prefer to call? Call us at 800-476-7428 Monday - Friday during business hours. 
If it is outside of business hours, a member of the home lending team will call you back within two business days.