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Low Credit? No Problem. 

Browse Our Specialty Home Loan Programs

Everyone deserves their dream home. We want to help make that dream a reality. No matter your situation, whether it's low income or poor credit, Horizon's advisors will find affordable home loan options tailored for you and what your finances can handle.

Fresh Start Loan Program

This program is designed to give the borrower a unique opportunity to reenter the credit market and turn past credit problems into a more positive rating. 
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Starter Overdraft Protection

This program is for customers who are looking to establish a credit history as well as protect their checking account. 
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Section 8 Mortgage Financing

A new mortgage lending program developed by Horizon that allows qualified recipients to utilize their HUD-funded Section 8 housing allocation to make their home mortgage payments.
Request information

Homeowner Ready Cash Program

A loan that provides immediate cash for the immediate home improvement needs that families and individuals find to confront them every day. A loan with immediate cash and affordable payments.  
Request information

Homeowners Improvement Program

Have a need for home improvement but without the credit history to obtain the traditional loan? This program was developed to allow you to fulfill those needs.

HomePride Loan

This program is designed for customers needing down payment assistance and non-traditional credit. Take our home ownership course Framework® to prepare for sustainable home ownership.

HomeStyle® Renovation Mortgage

This is a Fannie Mae program that allows borrowers to include financing for home improvements in a purchase or refinancing of an existing home which means lower closing costs on a first mortgage.

Find Your Best Fit with our Home Loan Prep Tools

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    Check Mortgage Rates
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    Loan Calculators
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    Apply for a mortgage
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Home Equity Document Checklist

When applying for a home equity loan, we will ask you to provide the documents required for us to decide on your loan application. We understand this can feel daunting. Our priority is to clarify what is needed and to gather this information from you at one time, allowing us to source the most appropriate mortgage options for your review at the most competitive terms.

View document checklist

Learn More About How Home Loans Work

  • family standing in front of home

    Buying a new home?

    Consider refinancing for a better rate.
  • man and small girl hiking

    Need cash for unexpected expenses?

    Use the equity in your home.
  • Man with dog using a screwdriver

    Looking to make home improvements?

    Learn the difference between a Home Equity vs. Term Loan.

Sensible Advice

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