Homeownership
is within reach.

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
Low-to-moderate income borrowers may qualify for a 4-to-1 matching grant of up $30,800 that can be applied to a down payment or closing costs on a home purchase. Borrowers must have a household income of 80% or less of the HUD area median income. Funds subject to availability. 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)