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FHA Loans
Backed by the Federal Housing Administration, FHA loans are designed to help first-time homebuyers and those with lower credit scores. They offer lower down payment requirements and more flexible qualifying criteria.
Your Path to Homeownership
Take the guesswork out of home buying.
First-Time Homebuyer Program
Supporting those seeking accessible entry points into the market.
- As low as 5% downpayment options*
- Up to $1,000 Closing Cost Credit**
- Interest Rate Discount
- Application Fee Credit***
The ConnectOne Difference
At ConnectOne Bank, we believe your mortgage experience should be as personal as the home you’re moving into. We don't just process files; we build foundations.
Experience Speed to Close & Dedicated Support
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Have more Questions?
Should I rent or should I buy a home?
Purchasing a home is one of the most important financial decisions you can make in your lifetime. With rent costs rising, it may be a good time to consider purchasing a home to begin building equity. Our mortgage specialists can help you determine how much home you can afford and estimate your monthly mortgage payments with the First-Time Homebuyer Program.
What is the difference between the First-Time Homebuyer Program and a regular mortgage loan?
The First-Time Homebuyer Program mortgage is specifically designed to help first-time homebuyers achieve their dreams of homeownership. It has more lenient credit requirements, lower down payment options and access to special programs such as closing cost assistance.
Who is eligible for the First-Time Homebuyer Program?
The First-Time Homebuyer Program is open to anyone who is a first-time homebuyer and is purchasing a home intended to be a primary residence.
Still have more questions? Visit our FAQ page.
At least one borrower must be a first-time homebuyer (no principal residence ownership in the prior 3 years). Program eligibility for purchase in New York, New Jersey and Florida only. All loans subject to credit and property approval. Rates and terms subject to change. Restrictions apply. Not a commitment to lend.
*Minimum 5% down payment.
**Up to $1,000 lender credit applies to eligible third-party closing costs at settlement (excludes down payment, prepaids, points, or escrow reserves) and cannot exceed actual costs.
***Upon application, a $500 fee is required. This amount is credited back during closing or fully refunded should the loan not be originated.
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