1st Time Homebuyer Program

Open the Door to Home Ownership

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Buying your first home is a big deal—and we’re here to make it feel exciting, not intimidating. Our First-Time Homebuyer Mortgage Program was built specifically for buyers who are ready to stop renting and start building something of their own.

No confusing fees. No unnecessary extras. Just a smart, affordable way to get the keys.

A First-Time Home Loan that Gives You More

More benefits. Fewer barriers. Built for first-time buyers.

5/1 ARM

By selecting an ARM you have the benefit of a 30 year amortization with the lower start rate of an Adjustable Rate mortgage.

As Little Down As 3%

Only 3% down means you can stop waiting and start owning. It’s an easier, faster way to get into your first home without a huge upfront cost.

No Private Mortgage Insurance

No private mortgage insurance means lower monthly payments. Focus your finances on your new home, rather extra fees. (Homeowners Insurance still required.)
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No Origination Fee

No origination fee means fewer upfront costs and more money saved at closing. That’s one less expense standing between you and your first home. Also note there is no processing fee and no administration fee.
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What is an ARM or Adjustable Rate Mortgage?
What to Know as 1st Time Homebuyer
Saving for Your First Home
How Much House Can You Afford
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Whether you’re buying solo, with a partner, or planning your next chapter, this program is made for buyers who want flexibility and affordability—especially in those crucial first years of homeownership.

We are here for you every step of the way. Call us today at 864.879.1599 and let’s get started!

*Membership rules and restrictions apply. Flood and/or property hazard insurance may be required. Other fees and closing costs may apply. On a $150,000 loan for a 30-year term, the initial monthly payment of principal and interest would be $855.45. Beginning in year 6, the rate and payment adjust every year based on the initial period. The monthly payment in year 6 payment would be $1,029.07. Taxes and insurance are not included. Actual payments will be higher. Maximum loan amounts up to $450,000.00. Down payment of 3% required. Gifted funds are allowed. Rates and terms vary depending upon credit, underwriting requirements, and may change without notice. Available for purchase transactions only. Beginning in year 6, the rate and payment adjust every year thereafter. The rate will change based on adding the then current index value and the loan margin, rounded up or down to the nearest 1/8%, but may not change more than 2% in any one change. The rate may not change more than 5% over the life of the loan. The maximum increase allowed is 2%. Uses 1-Year Treasury Constant Maturity Index. Restrictions and qualification requirements may apply. 

See a mortgage representative for more details. Federally insured by NCUA. Institution's NMLS Identifier Number: #509298