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Homeownership
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Get prequalified, apply for a new loan, or refinance your current home with LoanPilot, our stramlined online application system. One of our Home Mortgage Loan Specialists will work with you to find the right mortgage and down payment programs.

Tri Counties Bank can make your dream of homeownership a reality.

Buying a home can sometimes seem like an unreachable goal. When you work with Tri Counties Bank, your local Home Mortgage Loan Specialist will walk you through products and resources designed for aspiring homeowners just like you. It's part of our commitment to helping our local communities grow and thrive through the power of homeownership.

  • Low or zero down payment programs
     
  • Affordable mortgage options
     
  • Low to moderate income programs
     
  • Borrowers with lower credit scores may be eligible
     

Homeownership Programs

Tri Counties Bank Homeownership Access Program
The Tri Counties Bank Homeownership Access Program is a Special Purpose Credit Program1 designed to increase homeownership in historically disadvantaged communities. Approved customers receive a closing cost credit of up to 3% of the loan, up to $7,500. The credit can be used to cover closing costs or to pay for discount points in order to reduce your interest rate.

CalHFA Down Payment Assistance Program
The California Housing Finance Agency (CalHFA) offers down payment assistance programs for qualified first-time homebuyers in California. As an approved CalHFA lender, Tri Counties Bank is proud to offer down payment solutions for customers who meet CalHFA program requirements.

Workforce Initiative Subsidy for Homeownership (WISH) First-Time Homebuyer Program
This program offers eligible low- to moderate-income households 4-to-1 matching grants of up to $29,000 that can be applied to down payment and closing costs for the purchase of a home. WISH grants help working families and individuals move from renting to owning and can complement or supplement many local, state, and federal homeownership programs and initiatives. Contact your local Home Mortgage Loan Specialist for details.

Affordable Mortgage Programs

Fannie Mae’s HomeReady  Mortgage
An affordable loan designed to meet the diverse financial needs of responsible buyers.

Freddie Mac Home Possible®
The Freddie Mac Home Possible® mortgage offers more options and credit flexibilities to help borrowers attain the dream of owning a home.

FHA Loans
Backed by the Federal Housing Administration (FHA), FHA loans can help first-time home buyers with low down payment requirements.

VA Loans
Available to military personnel, veterans and their families, VA loans offer zero down payment and 100% financing for qualified borrowers.

USDA Home Loans
Backed by the U.S. Department of Agriculture (USDA), USDA loans offer zero down payment for qualifying rural properties.

 

Additional Resources

Fannie Mae’s Down Payment and Closing Cost Assistance
Freddie Mac Down Payment Resource
U.S. Department of Housing and Urban Development (HUD)

A word about our calculators

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

1 A loan program designed to meet the credit needs as specified under Equal Credit Opportunity Act (ECOA) and Regulation B. 
https://www.fdic.gov/news/financial-institution-letters/2022/fil22008.html
NMLS #458732​​​​​​​

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