Your Journey to Homeownership Starts Here
At FVSBank, we know that buying a home is one of the most exciting and significant financial decisions you’ll make. Whether you’re a first-time homebuyer or upgrading to your dream home, our team of mortgage experts is here to guide you every step of the way.
Why Choose FVSBank for Your Home Loan?
Personalized Service: We take the time to understand your unique needs and financial goals.
Competitive Rates & Flexible Terms: We offer a variety of loan options to fit your budget and lifestyle.
Local Decision-Making: Our team is rooted in the community, making loan approvals quick and hassle-free.
Expert Guidance: From pre-approval to closing, our mortgage lenders will help simplify the process.
Home Loan Options
- Fixed-Rate Mortgages: Predictable monthly payments with terms that fit your timeline.
- Adjustable-Rate Mortgages (ARMs): Lower initial rates with flexible options.
- First-Time Homebuyer Programs: Special incentives and low down payment options.
- Construction Loans: Build your dream home with a tailored financing solution.
HomeAccess Loan
Affordable Home Financing for Low to Very-Low Income Borrowers
At FVSBank, we believe homeownership should be accessible to everyone. That’s why we’re proud to offer the HomeAccess Loan, designed to provide an improved 30-year fixed-rate option for borrowers with low to very-low incomes*. Whether you’re a first-time homebuyer or looking for a more affordable path to homeownership, the HomeAccess Loan makes buying a home easier and more cost-effective.
Why Choose the HomeAccess Loan?
✅ Better Pricing on a 30-Year Fixed Loan – Enjoy improved interest rates and lower monthly payments.
✅ Affordable Down Payment Options – Reduce upfront costs and make homeownership more attainable.
✅ Flexible Credit Requirements – Helping more buyers qualify for a conventional loan.
Who Qualifies?
The HomeAccess Loan is designed for low to very-low income borrowers* who meet specific eligibility criteria and underwriting guidelines. Qualification factors include:
✔️Income limits based on the area and borrower household members*
✔️ Property eligibility requirements
✔️ Credit history and debt-to-income considerations
To determine your qualifications, our FVSBank mortgage experts are here to help guide you through the process.
How to Get Started
- Get Pre-Approved – Knowing your budget helps you shop with confidence.
- Find Your Dream Home – Work with a trusted real estate agent to explore options.
- Apply for a Mortgage – Our online application makes it easy to get started.
- Close & Move In – We’ll guide you through the final steps so you can enjoy your new home!
Connect with a Mortgage Lender Today
We’re ready to help make homeownership a reality for you. Contact one of our local mortgage experts or start your application online today!
Buying a Home FAQ
How much do I need for a down payment?
The amount varies based on the loan type. Some programs allow as little as 3% down, while others, like VA loans, may not require a down payment at all.
What credit score do I need to buy a home?
While requirements vary, a score of 660 or higher is generally recommended for most loan types. However, we offer programs for various credit situations.
How long does the mortgage approval process take?
The timeline can vary, but on average, it takes 30 to 45 days from application to closing.
What is included in my monthly mortgage payment?
Your payment typically includes principal, interest, property taxes, and homeowners insurance (PITI). Depending on your loan, mortgage insurance may also be required.
Can I get pre-approved before finding a home?
Yes! Getting pre-approved helps you understand your budget and makes you a stronger buyer when making an offer.
* Low or very-low income borrowers have a total qualifying income that falls at or below 80% of the Area Median Income for the property’s location.
- Dodge County – $73,360
- Fond du Lac County – $76,560
- Winnebago County – $79,280
- Not limited to counties listed
Qualifying income based on borrower household member, non-borrower household income would not be considered. Subject to underwriting guidelines.