Font Size:

Income Based Programs

image of a young man and woman with moving a couch

Buying your new home might be easier than you think!

Apply for Your Mortgage  or   Check Our Mortgage Rates

Image of line seperator

Qualifying for your new home is closer than you think. In a financial bind when it comes to buying a new home? Let us help! We have flexible, income-based financing options!

  • Home Possible AdvantageSM
    Home Possible AdvantageSM mortgage is designed for low to moderate-income homebuyers and offers financing for as low as 3% down. It is great for first-time home buyers.  
  • Homes for Iowans (IFA)
    The Iowa Finance Authority (IFA) offers this program which provides borrowers with $2,500 for down payment and closing costs assistance to eligible first-time and repeat home buyers who are purchasing a primary residence in Iowa and meet household income and purchase price requirements. Optional grant or $5000 second mortgage with no monthly repayment.
  • First time Homebuyer Program (IFA)
    Financing option with a down payment as low as 3%. This will save significant money up front and throughout the years to come. Optional $2500 grant or $5000 second mortgage with no monthly repayment to assist with down payment and closing costs. Learn more.
  • Income Based Program (LMI)
    Adjustable rate mortgage with up to 97% financing. The down payment requirement is just 3% and can be used with approved grant funds and gifts for down payment assistance. Income requirements apply. Learn more.
  • USDA Rural Development
    Loan option that allows for 100% financing. This program gives low to moderate-income homebuyers the opportunity to own a primary residence in eligible rural areas with no down payment requirement with a 1% guarantee fee that can be financed. Must meet income eligibility requirements.

Make homeownership possible today!

Shop with Confidence. Our Mortgage Lenders are here to guide you!

Image our Accelerated pre approval guarantee. Your preapproval comes with a $2000 Guarantee.

Check It Out!

Start Sending Money with Zelle® 

Zelle is a convenient way to send money using your mobile banking app or online banking account. 

couple looking at phone

Get Started

Scroll to top