ONE+ Home Loan

Buy a home with just 1% down

We’re making home ownership easier by offering you a 1% down payment option for a 30-year fixed rate mortgage. If higher rates and rising home prices kept you out of the market, this may be the opportunity you’ve been waiting for.

We add 2% to your down payment!

Our ONE+ 30-year mortgage means you put down 1% and we add 2% for a total of 3% down.* This means you already will own 3% of the equity in your new home and lowers your loan amount. Best of all, with our quick online application, determining if you qualify hasnever been easier.

Advantages of our ONE+ 30-year fixed-rate mortgage

• By only putting down 1%, you may be able to purchase a larger home

• You’ll enjoy the reliability of a fixed rate for monthly payments you can count on
• You’ll keep more cash in-hand for moving expenses or home improvements

Who is eligible?

This product is for eligible first-time home buyers and repeat home buyers who make less than or equal to 80% of the area median income (AMI) of the location they’re buying in. In Mobile County, that is currently $63,040. It’s only available for purchase loans with a maximum loan amount of $350,000 and can’t be combined with other promotions. Additional options are available for incomes lower than 50% of the area median income.

We offer a full line of mortgages for anyone buying a home!

Start your application now >

*Client will be required to pay a 1 % down payment, with the ability to pay a maximum of 3%, and Lender will cover an additional 2% of the client's purchase price as a down payment, or $2,000. Maximum grant amount is $7,000. Offer valid on primary residence, conventional loan products only. Maximum loan amount of $350,000. Cost of mortgage insurance premium passed through to client effective January 2, 2024. Offer valid only for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. Not available with any other discounts or promotions and cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. Lender reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply.

CU Mortgage Express, LLC; 480 Hwy 29 S. Suite M, Cantonment, FL 32533  NMLS #506711.
For additional information please visit cumortgagexpress.com

Gulf Coast Federal Credit Union  NMLS #440571