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Horizon Bank

Horizon Bank is dedicated to the home borrowing needs of all of its customers. If you're thinking about buying a home, our expert mortgage loan officers can tell you about the affordable housing assistance programs in which Horizon Bank participates. When combined with an eligible loan, these assistance programs can help qualified homebuyers achieve successful homeownship. 


HomePride Loan 

        Benefits of HomePride Loan:

  • Fixed-rate with a .25% rate discount 
  • Down Payment: can from a gift, downpayment assistance program or borrowers own funds



Option for those who:

  • Low to Moderate Income borrowers purchasing a home in a low to moderate income area
  • Credit score of 600 

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HomeReady® Mortgage (Fannie Mae)

        Benefits of HomeReady Mortgage:

  • Affordable, conventional financing with mortgage insurance that may be cancelled (restrictions apply)
  • Low down payment of 3%
  • Up to 97% loan-to-value (LTV) financing for home purchase
  • Supports manufactured homes up to 95%

Fannie Mae's HomeReady Program

Options for those who:

  • are creditworthy low- to moderate-income borrowers
  • credit score between 620-640
  • take home ownership course Framework® to prepare borrower for substainable homewnership 

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HomeStyle® Renovation Mortgage (Fannie Mae)

        Benefits of HomeStyle Mortgage:

  • Cost-effective way to renovate or improve a home
  • Permits borrowers to include financing for home improvements in a purchase or refinance of existing home which means lower closing costs and typically a lower interest rate on a first mortgage
  • 15- and 30- year Fixed rate mortgage and all eligible ARM products

 Fannie Mae's HomeStyle Renovation Program

Options for those who:

  • economical way for borrowers considering moderate home improvements to make repairs and renovations 

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Exceptional Service Sensible Advice®

Horizon Bank