100% YOURS HOME LOAN WITH NO DOWN PAYMENT
We believe home ownership should be as achievable and attainable as possible. Explore our “100% Yours” Home Loan with no down payment, financing of closing costs, fixed interest rates, no mortgage insurance and more. Start a conversation with us today and let's make home ownership happen.
Finance Your Down Payment
- Competitive Fixed Interest Rates
- No Down Payment*
- No Mortgage Insurance
- Up to $300,000 Loan Amount (based on credit qualification)
*100% Yours financing is available to qualified borrowers. All loans are subject to credit approval, verification of eligibility, and underwriting requirements. Offer may be modified or discontinued at any time and is limited by the availability of program funds. Additional terms and conditions may apply.
Fixed Rate Conventional Mortgage
Looking for a stable and secure mortgage plan? Look no further! Fixed rate mortgages offer a reliable and straightforward way to finance your dream home. With fixed rate mortgages, you can relax knowing that your monthly payments won't change – giving you the peace of mind you need for the long term. We have loans term ranging from 10 to 30 years, so you can pay off your mortgage at your own pace. If you appreciate the convenience of a consistent mortgage payment, this could the perfect program for you!
Federal Housing Administration (FHA)
Looking to buy a home but have less than perfect credit? Struggling to save funds for a down payment? The FHA mortgage program is a great option for first-time homebuyers and borrowers looking for a low down payment option with affordable terms. FHA loans require a 3.5% down payment, accommodates lower credit scores compared to other conventional loans, and has flexible qualification requirements.
Veteran Administration (VA)
The Veterans Administration (VA) mortgage program is available to Veterans, active-duty service members, service personnel and spouses. VA loans are designed to help Veterans and their families buy, build, repair, or retain a home, with favorable loan terms and qualification guidelines.
United States Department of Agriculture (USDA)
The USDA Rural Development mortgage program is a unique loan option designed to assist borrowers in eligible geographical areas. If you're looking for a home outside of the city, USDA can be an affordable program to finance your home!
Mortgage Calculators
Gabrielle Pierce
Mortgage Loan Originator
502-212-3172
NMLS ID#: 1774081
gpierce@classact.org
Daylin Lopez Navarro
Mortgage Loan Originator
Yo hablo Español
502-212-3145
NMLS ID#: 2684721
dlopez@classact.org
NMLS ID #'s
| Name | NMLS ID # |
|---|---|
| Class Act Federal Credit Union | 403005 |
| Gabrielle Marie Pierce | 1774081 |
| John David Haven | 439356 |
| Pamela E Farmer | 454291 |
| Stephen L Green | 1913841 |
Our Rates
| Description | Maximum Amount | Term | Annual Percentage Rate |
|---|---|---|---|
| Home Equity Line of Credit (HELOC) | 100% Loan to Value | 25 years / 10 years draw | As low as 6.25% APR* |
| Fixed Rate Home Equity Loan | $200,000 | 10 years | As low as 6.634% APR* |
| Fixed Rate Home Equity Loan | $200,000 | 15 years | As low as 7.097% APR* |
| Fixed Rate Home Equity Loan | $200,000 | 20 years | As low as 7.579% APR* |
| Mortgage Loans 1st Mortgages | Learn More | Learn More | Get A Rate |
*Effective 10/30/2025. Annual percentage rate is representative of rate & closing costs based on loan amount of $100,000, fixed term as per table with standard closing costs. Rate is subject to change without notice. All mortgage loans are subject to credit approval.