Your home deserves a trusted Neighbor
Explore Our Home Loan Options
Where homebuying meets convenience, care, and a personal touch.
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Low Down Payment Options
As little as 0% down payment for eligible borrowers
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Online Pre-qualification in Minutes
Get started online, and a loan expert will be in touch to guide you through
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Competitive Rates
We work hard to provide rates that help you save now and in the long run
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Government-backed loans to conventional
From government-backed loans to jumbo and conventional, we want to find the right option for you
Join the growing community of Neighbors
We recently purchased a home and had the pleasure of working with Neighbors Bank — and the entire experience was outstanding. Our loan coordinator, Abbie Maislin, and our loan officer, Melissa Janke, were absolutely fantastic …
The whole process went as smoothly as possible. Melissa and Tyler made every step of the process easy to understand and answered every question I had. I would definitely recommend Neighbors Bank, Melissa and Tyler!
My family and I recently purchased an out of state home and used Neighbors Bank as our lender. From start to finish the entire team was professional, knowledgeable, pleasant and very kind. Our purchase was complicated with …
Every Homebuying Journey Is Unique
Which is why you should know your options. We provide a variety of home loans at competitive rates so that you can find the best fit for you and your family.
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Conventional Loans
- 3% Down
- No Income or Location Limits
Typically require a 3% down payment or more. Higher upfront costs in exchange for long-term savings.
Learn more about Conventional Loans
Need help with a down payment? Down payment assistance is available for conventional loans → -
FHA Loans
- 3.5% Down
- Flexible Credit Requirements
3.5% down payment loan that is popular among first-time buyers. Flexible credit and DTI requirements.
Need help with a down payment? Down payment assistance is available for FHA loans → -
USDA Loans
- $0 Down
- No PMI
- Credit as low as 620
0% down payment option available for low to moderate-income buyers in rural and eligible suburban areas.
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VA Loans
- $0 Down
- No PMI
- Credit as low as 620
0% down payment option for eligible Veterans, servicemembers and surviving spouses.
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HomeReady® & Home Possible® Loans
- 3% Down
- Flexible Terms
3% down payment loans available to eligible buyers with low to moderate income.
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HomeOne® Loan
- 3% Down
- Flexible Credit Guidelines
3% down payment loan designed for first-time homebuyers. Flexible DTI and credit requirements.
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Jumbo Loan
- For loans above $806,500
For loans that exceed conventional loan limits. Typically require a 10%+ down payment.
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Not sure which loan is right for you?
We'll help you find the best fit.
When Your Dream Home Doesn't 'Look' Traditional
We've got you covered.
- Mobile Home or Manufactured
- Condominium
- Multi-Family
- Barndominium
Your Guide to Smarter Homebuying
Practical guides, expert tips, and easy-to-follow steps for every stage of buying.
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7 min read July 5, 2024
Comparing USDA Loans to FHA, VA and Conventional Loans
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4 min read January 26, 2024
USDA Loan Benefits: Advantages & Disadvantages of USDA Loans
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4 min read May 22, 2023
USDA Loan Prequalification to Preapproval
Read Our Guides
Why Choose Neighbors Bank? We believe homeownership should be within reach for everyone.
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Real People
Confidently move through each step of the process with real human help from a dedicated loan specialist.
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Options Tailored to You
Easily see if you're eligible for various loan types and get clarity on the option that's right for you.
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Home On Your Time
Effortlessly achieve your dream by managing and tracking your mortgage process in one place online.
The Easy Way to Buy a Home
Online Process Individualized for You:
- Upload documents
- Track progress
- Get preapproved
- 24/7 access