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First-Time Homebuyer Program

Girl Holding House Keys

STOP RENTING. START OWNING. 

As a MSHDA lender, Jolt can offer financial assistance to those who qualify.


EXPLORE THE BENEFITS

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DOWN PAYMENT ASSISTANCE

Qualified first-time homebuyers can be approved to receive $10,000 towards their down payment.

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AS LITTLE AS 1% DOWN

Borrowers may be able to purchase as a first-time homebuyer with as little as 1% down.

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CURRENT HOMEOWNER

Buyers who have owned a home previously may qualify for MSHDA program in targeted property areas.

 

WHO'S ELIGIBLE?

To qualify, you must meet the following requirements:
  • First-time homebuyer and repeat homebuyer in targeted areas (have not owned a home in the previous three years)
  • Meet income eligibility
  • Sales Price limit - $224,500 statewide
  • Credit score of 640 or higher

VIEW CURRENT RATES

*Other restrictions may apply.

Couple moving into house

 

4.75%*
FIRST-TIME HOMEBUYER
MSHDA RATE RELIEF

First-time homebuyers, we have exciting news! You can now unlock our LIMITED-TIME MSHDA Rate Relief Offer! Owning a home just became more accessible and affordable for families. Take the first step and contact our mortgage team today.

LEARN MORE

WHO'S ELIGIBLE?

  • First-time homebuyers with a qualifying income at or below 80% of Area Median Income (AMI)

  • Credit score of 640 or higher

  • 30-year term

  • New or existing single-family residences, including some types of manufactured homes

  • Maximum sales price limit - $224,500

*Other restrictions may apply.

 

That first home is special. Need help getting started?

We know buying your first home is a big step, and you might have questions. We’re here to help walk you through the home financing process.

MEET OUR MORTGAGE EXPERTS
NMLS ID #715640

Jesse Maldonado, Jr. VP Mortgage Lending

Jesse Maldonado, Jr.
VP Mortgage Lending

maldonadoj@joltcu.com
989.799.8744 ext. 1401
State Street, Saginaw

NMLS #433139

Rebecca Swanson Mortgage Supervisor

Rebecca Swanson
Mortgage Supervisor

swansonb@joltcu.com
989.799.8744 ext. 1402
State Street, Saginaw

NMLS #759033

Laurin Light Sr. Mortgage Loan Officer

Laurin Light
Sr. Mortgage Loan Officer

lightl@joltcu.com
989.799.8744 ext. 1408
State Street, Saginaw

NMLS #1817692

Ashley Kubacki Mortgage Loan Officer

Ashley Kubacki
Mortgage Loan Officer

kubackia@joltcu.com
989.799.8744 ext. 1407
State Street, Saginaw

NMLS #2327065

Sara Cook Mortgage Loan Processor

Sara Pettenger
Mortgage Loan Processor

pettengers@joltcu.com
989.799.8744 ext. 1404
State Street, Saginaw

NMLS #2428507

Kat Wallaert Mortgage Loan loser

Kat Wallaert
Mortgage Loan Closer

wallaertk@joltcu.com
989.799.8744 ext. 1403
State Street, Saginaw

NMLS #2418233

Deb Baum Mortgage Underwriter

Deb Baum
Mortgage Underwriter

baumd@joltcu.com
989.799.8744 ext. 1405
State Street, Saginaw

NMLS #819547

Mortgage Servicer/Escrow Specialist

Kelly Prast
Mortgage Servicer/Escrow Specialist

prastk@joltcu.com
989.799.8744 ext. 1409
State Street, Saginaw

NMLS #763553

READY FOR THE Next Step?

Complete the form below, or call the Mortgage Team at (989) 799-8744 ext. 1400
 

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