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Check Out Our Member Stories

Supporting small businesses nationwide

Read More
Read Our Annual Report

See the numbers of how we supported our communities

Learn More
Invest in What We Do

Connect with our team to see how you can be a part of the mission

Reach Out

Standard Portfolio Home Loan

An affordable mortgage for when you prefer a lower monthly payment.

With our Standard Portfolio Home Loan, you can get into your new home with a down payment of just 3%. But if you prefer to have more equity or take advantage of lower monthly payments, you can increase that percentage to fit your needs.

Flexible down payment requirements
A minimum credit score of only 580
No Private Mortgage Insurance (PMI) required
May be combined with down payment assistance
Helpful Tip
Different down payments serve different purposes

If you choose a low down payment of 3%, you can make investments or save toward remodeling, furnishing and other expenses.

If you opt for a larger down payment, you'll enjoy lower monthly payments and likely have access to lower interest charges.

We want you to feel empowered to follow the financial path that works best for you.

Helpful Tip
Different down payments serve different purposes

If you choose a low down payment of 3%, you can make investments or save toward remodeling, furnishing and other expenses.

If you opt for a larger down payment, you'll enjoy lower monthly payments and likely have access to lower interest charges.

We want you to feel empowered to follow the financial path that works best for you.

Flexible down payment requirements
A minimum credit score of only 580
No Private Mortgage Insurance (PMI) required
May be combined with down payment assistance

Ready to get started?

Our experienced lending team is here to help. We'll help you understand your mortgage options and guide you through the application process. When you meet with a loan officer, try to bring the following items (for yourself and your spouse or co-borrower):

  • Photo ID
  • Tax returns (two most recent years)
  • W2s (two most recent years)
  • Pay stubs (two most recent pay cycles)
  • Bank statements (two most recent months)

Contact Our Mortgage Team

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