The Community Lending Program

Simple, Accessible Homeownership

The Community Lending Program (CLP) offers a standard conventional, conforming loan with a discounted rate for properties located within designated geographic areas nationwide. To see if a specific property qualifies, check out the map HERE

No Extra Hoops to Jump Through!

  • No first-time buyer requirement

  • Standard credit score requirements (as low as 620!)

  • No income limits

  • Available for home purchase OR refinance (cash out included!)

Eligibility

Qualify for a standard conforming loan up to $766,550 (or up to $1,149,825 in “high-cost” counties) and if the property is within the geographic limits, you're in!

Your Rate, Discounted

Discounts range from 0.25% to 1.50% depending on a number of factors.

Imagine if you have a less than perfect credit score and as little as a 5% down payment, but you get a rate as if you had 40% down and perfect credit! That’s the power of the CLP.

Note: PMI is required if down payment is less than 20%. PMI rates not impacted by this program