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Home Access Mortgage Loan Program

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Our Home Access Mortgage loan program offers a low-to-moderate income mortgage loan, providing financing up to 100% Loan-to-Value (LTV) to qualified borrowers. This loan is available to borrowers and secured by a first mortgage on single-family dwellings that are owner-occupied.

Details
  • Up to 100% Loan-to-Value (LTV) financing
  • Borrower pays closing costs at a reduced rate. Closing costs may include loan verification fees, title fees, prepaids and other miscellaneous fees.
  • No Private Mortgage Insurance (PMI) required
  • Minimum credit score: 620
  • Designed for qualified borrowers with a total income not exceeding 80% of the area median income determined by each parish or MSA by HUD. Limits updated annually. See HUD's website for details.
  • Eligible property types include single-family homes, townhouses and patio homes.
  • Homebuyer education certificate must be complete through a HUD approved agency.
  • Borrowers cannot own another home. If the borrower owns another home, it must be sold prior to the closing of a Home Access Mortgage loan at Home Bank.

Other Assistance Programs

Ask us about our other down payment assistance programs that may be offered regionally. 

Federal Home Loan Bank of Dallas’s Homebuyer Equity Leverage Program (HELP)

  • Up to $20,000 in down payment and/or closing cost assistance. Closing costs may include loan verification fees, title fees, prepaids and other miscellaneous fees.
  • Applicants’ total income cannot exceed 80% of the area median income determined by each parish or MSA by HUD. Limit updated annually. See HUD's website for details.
  • Limited to properties in parishes/counties within Home Bank’s footprint
  • Limited to first-time homebuyers
  • Note: HELP funds are available until the funds are exhausted or until the end of the calendar year, whichever comes first.

Louisiana Housing Corporation Mortgage Revenue Bond (MRB) Home & Assistance

  • Up to 9% down payment and/or closing cost assistance. Closing costs may include loan verification fees, title fees, prepaids and other miscellaneous fees.
  • Limited to first-time homebuyers
  • More information available at Louisiana Housing Corporation's website.

Capital Area Finance Authority (CAFA) Gold 100 Program

  • Up to 7% of loan amount in assistance
  • Available in 37 Louisiana parishes
  • More information available at CAFA's website.

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Approval is subject to Home Bank credit and other qualifications. Home Bank NMLS #483958