Interested in buying your first home but not sure where to start? Community Financial’s team of local, experienced mortgage experts can make the mortgage process easier. We’ll answer all of your questions on the purchase process, getting preapproved, and finding the right mortgage option for you!

Contact a Mortgage Specialist

Mortgage Options:

0% Down Program

  • Available to those with a Good credit score (700+).
  • Reduced PMI (or mortgage insurance). 
  • No income limits.
  • Available for 15, 20, and 30-year Fixed Rate Terms and ARMs.
  • Available on owner-occupied properties only.

Rural Development

  • Allows low to moderate income families in rural areas the ability to purchase their primary residence.
  • Zero down payment financing available, significantly reducing the amount of money needed to purchase a home. 
  • Lower credit score requirements.


  • Interest rates remain the same over the life of the loan.
  • Offers the security of knowing your payments will never change. 
  • Terms available from 10 to 30 years. 

Considering Homeownership

Learn more about the upfront and ongoing costs of homeownership and how they will fit in with your other expenses. This educational lesson in our Money Matter$ eLearning Center will explore loan choices, home buying resources and more.

Homeownership Learning Module

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