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Home Possible® Program

Discover the possibilities. 

The Home Possible mortgage program helps low- to moderate-income borrowers attain their hopes of owning a home with a low down payment option.

To Start an Application or Talk to an Expert:

    • Lock and 2 Arrows

      Available in fixed or adjustable rate mortgages

    • Hand Holding Dollar Sign

      Low down payment

    • House

      Don’t have to be a first-time homebuyer

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      Cancellable mortgage insurance

  • Making Homebuying Possible:

    The Freddie Mac Home Possible mortgage program offers more options and credit flexibilities to help low- to moderate-income borrowers become homeowners. Home Possible offers more options to responsibly increase borrowers, creating opportunity in our communities.

    What is Freddie Mac?

    The Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac, is a U.S. government-sponsored enterprise that provides mortgage financing and special programs for mortgage lenders like FNB.

    Key Features:

    • Available as fixed or adjustable rate mortgages
    • Low down payment
    • You do not have to be a first-time homebuyer to apply.
    • Leverage alternative income sources from non-occupant borrowers, including rental income
    • Cancellable mortgage insurance (restrictions apply)
    • Education requirements only if all borrowers are first-time homebuyers

    Key Benefits:

    • No geographic or income restrictions on the borrower
    • Interest may be tax deductible.3

    Great For:

    • First-time homebuyers
    • Borrowers who need flexible financing
    • People purchasing single family homes, including townhouses and condos.

  • Applying for a Home Possible Mortgage:

    Whether you would like to get pre-approved or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your cart. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared:

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

With any account, you also get the latest in digital technology:

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval.
2 - FNB is an Equal Housing Lender; NMLS #766529.
3 - Interest may be deductible; check with your tax advisor.

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