Make an Appointment
Branches
Join
Contact Us
Rates
About Us
Chat with Kash
Search for:
Careers
Routing Number: 322283990
Online Banking
Toggle navigation
Search for:
Checking and
Savings
Checking
Apply Now
Business
Rates
Savings
Apply Now
Business
Rates
Calculators
Mobile
Mobile Deposit
Masterpass Digital Wallet
Credit & Debit Card Alerts
Bill Pay
Online Services
Browsers and Settings
EDD Direct Deposit
eStatements
Turbo Tax
IRAs
Apply Now
Rates
Loans and
Credit Cards
Vehicle Loans
Apply Now
Rates
Research A Car
Credit Cards
Apply Now
Rates
Mortgage Loans
Apply Now
Rates
Home Equity Loans
Apply Now
Rates
Additional Loans
Make a Payment
Business Loans
Make A Payment
Insurance
Insurance
Auto Insurance
Homeowners Insurance
Renters Insurance
Life Insurance
Accidental Death
& Dismemberment
Protect Your Vehicle
Loan Protection
Wealth Management
Community/
Learn
Financial Resources
Education Center
EverFi
GreenPath
Webinars & Seminars
Community
Blog
Community Blog
Community Partners
Sponsorships and Donations
Team Giving
Press Releases
Premier America Foundation
Make Appointment
Locations & ATMs
Join
Contact Us
Rates
About Us
Low Down Payment Options
Home
Loans
Mortgage Loans
Low Down Payment Options
Vehicle Loans
Convenient Auto Buying Services
Loan Protection
Protect Your Vehicle
Recreational Vehicle Loans
Rates
Resources
Credit Cards
Rewards
EMV
Calculators
Rates
Rewards
Mortgage Loans
Low Down Payment Options
MLO Directory
Get an Insurance Quote
Mortgage Inquiry
Mortgage Rates
Home Equity Loans
Apply Now
Calculators
Home Equity Rates
Loan Protection Plan
Additional Loans
Financial Calculators
Avoiding Foreclosure
low down Payment Options
HomeReady Mortgage
Discover the affordability of homeownership with a HomeReady Mortgage.
HomeReady Mortgage helps borrowers with low to moderate income buy or refinance a home by reducing the standard down payment, potentially lower interest rates and mortgage insurance requirements.
Program Benefits
:
Very Low Down Payment
– Minimum down payment for home purchase or higher loan to value options for refinance transactions*.
Flexible Sources of Funds
- Cash for down payment allowed from multiple sources, including gifts and grants, no minimum personal funds required.
Affordable & Cancellable MI
– Lower cost premiums and cancellable mortgage insurance** saves you more money per month down the road.
Online Education Tools
– Gain guidance for long-term homeownership success.
*Can be used for any fixed-rate term (10, 15, 20 or 30 year)
**Restrictions Apply
WISH Program
The Workforce Initiative Subsidy for Homeownership (WISH) program is a matching grant program for low-to moderate-income individuals or families. The program offers first time homebuyers a matching grant up to $22,000 ($4 for every $1 the homebuyer puts in) * towards the purchase of a home.
Program Eligibility:
Borrower must have had no ownership in principal residence during the 3-year period ending on the date of purchase of the property.
Borrower must occupy the property as primary residence
Borrower must complete an approved homeownership education course. See
here
Must meet income eligibility guidelines.
Single-family detached homes, condominiums, and town homes are eligible
*WISH Grants are only available to qualified borrowers. Enrollment in the WISH program does not guarantee receipt of funds.
To learn more or see if you are eligible, please contact a Mortgage Loan Officer at
800-858-8328, or
MortgageLoanOfficers@PremierAmerica.com
.
Quick links
Join
apply now
Branches
/ATMS
Search
Make a Payment
View
Mobile App
Learn more
Calculators
View
Learn
Learn more