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Highlands Union Bank

First Time Home Buyer

Highlands is here to help you realize your dreams.  For first time home buyers, we have the product to help you make your dream a reality.  Our first time buyer mortgage program offers those with low to moderate income the ability to finance a new home. 


  • Up to 100% financing
  • No private mortgage insurance
  • Low closing costs
  • No pre-payment penalty
  • Low rates
  • Local servicing


  • Must be a first-time home buyer
  • Minimum credit score of 650
  • Maximum annual household income of 80% of the median income in your area
  • Loans are only available for properties located in Highland's designated service areas
  • The property must be a conforming, single-family primary residence.
  • Monthly escrow is required for homeowners insurance and real estate taxes
Call Highlands Union Bank at 1.800.291.6465 or visit one of our branches for more information.