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Equity Boost 

Affordable Loans for First-Generation Homebuyers

Our Equity Boost loans are a great choice for first-generation homebuyers and for homebuyers with modest incomes. With a 0% down payment and low closing costs, Equity Boost makes homeownership possible even with modest savings.

Equity Boost Benefits                                                                                                                 smiling family at home

For borrowers with modest incomes.*
  • 0% down payment
  • Closing costs can be financed into the loan.
  • Can be combined with down payment assistance if available. Must contribute at least 1% of purchase price.
  • Lower interest rate and monthly payment
  • $2,000 towards a rainy day fund
  • No private mortgage insurance (PMI)
  • Minimum credit score 580
  • Income and purchase price limits apply.*

* Income limits: 80% of area median income (AMI), OR 125% of AMI if borrower is a first-generation home buyer (200% in high-cost areas).

 

Let us help you build your emergency savings

You're about to become a homeowner — maintenance bills come with the territory. Start building your rainy day fund now, so you can enjoy homeownership knowing you're ready for anything.

And we'd like to chip in! As an Equity Boost borrower, you're eligible for a $2,000 contribution from Self-Help to help kick-start your emergency savings.

Find out more about our SAFE Home product, only available to Equity Boost borrowers. 

  • Equal Housing Lender NCUA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. government agency