3% Down Mortgages

Saving thousands of dollars for a down payment is a steep hill to climb. Our low and no money down mortgages for first-time home buyer loans help level the playing field. 

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Knocking down another obstacle to homeownership.

With car loans, student loans, and  a growing family, it's difficult to save money when you're just starting out — but that doesn't mean you have to delay your dreams. Arbor Financial's 3% Down Mortgage means you need thousands of dollars less for a down payment than with conventional loans to buy a home in Michigan.

Call us today at 269.544.3105 and find out what our team can do for you!

Speak with a Mortgage Specialist

family with keys outside new home

Here's how an Arbor Financial 3% Down Loan can move you into a new home:

  • Perfect for first-time home buyers who have limited funds for a down payment.
  • Several loan terms are available.
  • Low 3% down payment.
  • Low closing costs.
  • Easy application process with a quick response.
  • Loan pre-approval process to help you focus your housing search.
  • Loan serviced at Arbor Financial so you'll always speak to someone local should you have questions.

When you're ready to apply, here's what to consider:

You'll need documentation for all borrowers, including:

  • Social Security number
  • Contact and employment information
  • Best estimates of income, assets, and liabilities

Once you've applied, we'll contact you to:

  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate