Rooftop of a house


HomeOwnership Now

Owning a home is more affordable than ever! You may be eligible for special financing with a HomeOwnership Now Mortgage, available only at HomeTrust Bank.


  • Up to 100% loan-to-value maximum.
  • Enjoy a fixed rate loan with no private mortgage insurance required.
  • As little as $500 in available funds required from borrower.
  • Additional closing costs and down payment assistance is available. Consult with your Loan Officer to learn more.


  • First-time homebuyer or not owned any property in the past 3 years.
  • Minimum credit score of 620 to qualify.
  • Purchase of primary residence only.
  • Borrower or property location must meet program requirements.
Talk with a HomeTrust Bank Mortgage Loan Officer today to find out if you or your property location qualify!

All loans are subject to credit approval.

Talk to a HomeTrust Bank Loan Officer for more program information and requirements.
Total qualifying income for all borrowers must not exceed 80% of area median income for the county in which subject property is located OR subject property must be located in a census tract for which the median family income of the tract is less than 80% of area median family income.
No minimum loan amount. Maximum loan amount of $766,550 in 2024. HUD-approved homeownership counseling required. Verification of two-year employment history for all borrowers required. Verification of 12-month rental history with no late payments required. Borrower must not have owned a primary residence, second home or investment property within the past 3 years. Certain property restrictions apply. Hazard insurance, and flood insurance if applicable, are required.