Loan Programs

Conforming and Non-Conforming Loans

Looking for a home loan that truly fits your situation? Credit Unions are here to help. We understand that you're more than just a credit score—so even if you've faced challenges like a lower score or a past foreclosure, that doesn't mean you're out of options. Getting approved might be easier than you think, and FocusOne is ready to guide you every step of the way.

100% Financing

  • Purchase transactions only

  • No down payment required

  • 3% seller contribution allowed

  • Primary residence one unit, SF and condo only

  • 30 year term, fixed rate or 5 year ARM only

Bank Statement Program

  • Conforming products only

  • Purchase or rate & term refinancing only

  • No mortgage insurance

  • Primary residence one unit, SF and condo only

  • 24 months of bank statements required

HomeReady® by Fannie Mae

For those first time home buyers with modest savings, HomeReady mortgage can be a great option.  Thanks to features like a low down payment, cancellable mortgage insurance* and more, homeownership can be affordable. Ask us if HomeReady mortgage is right for you. Find out more at MyHomeReady.com.

 

*Restrictions apply.

FHA and VA Home Loans

FHA Loans are designed to make buying a home easier, especially for first-time buyers or those with less-than-perfect credit. With lower down payment requirements (as low as 3.5%) and flexible credit guidelines, FHA loans make homeownership more accessible than ever.

VA Loans offer incredible benefits for our veterans, active-duty service members, and eligible spouses. With no down payment, no private mortgage insurance (PMI), and competitive interest rates, VA loans are one of the best home financing options available for veterans.

At FocusOne, we specialize in helping people just like you take advantage of these powerful loan programs. Whether you're rebuilding credit, buying your first home, or utilizing the VA benefits you've earned, we’re here to make the process simple and stress-free.

Home Equity Loans

Need cash for renovations, debt consolidation, or a major life event? Your home can help!

At FocusOne, we offer two smart ways to tap into your home’s value:

Home Equity Loan – Unlock the power of your home’s equity with a lump sum loan at a fixed rate. Whether you're planning a remodel, covering tuition, or consolidating high-interest debt, this is a reliable, one-time borrowing option with predictable monthly payments.

Streamlined Home Equity Loan – Want a faster, easier process? Our Streamlined Home Equity Loan gives you access to funds quickly, with less paperwork, fewer hoops to jump through, and a faster turnaround.

Both options let you put your home to work for you—and our team is here to help you choose the best fit based on your goals.