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Home Purchase

First Time Home Buyer

We offer a variety of mortgage solutions for first-time homebuyers with low down payment and attractive interest rates.

Buying your first home can be a dream come true, but it can be a challenging journey for the unprepared buyer. When it's time to make your move, our mortgage professionals are here to help you every step of the way. Everyone has an idea of a comfortable housing payment they can afford. This, combined with a review of your personal financial situation, will provide guidance to the home buying process. Having the option of choosing from so many mortgage products means that you have a great opportunity to buy the home you want, with monthly payments you can afford.

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Refinancing

Medical Professional Loans

A unique mortgage program designed to make homeownership affordable for medical professionals.

Our solution: A mortgage program designed to help make homeownership easy and affordable for medical professionals1 including physicians, pharmacists, dentists, and veterinarians. If you have a medical doctorate degree, you may be eligible for a wide range of benefits.

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First Time Buyers

Construction Loans

Get a constructions loans offer - one settlement and one low rate during construction that automatically converts into a fixed rate loan once your new home is complete.

Our construction loans offer one settlement, and one low rate during construction that will convert into either a fixed or adjustable loan depending on the type of loan you choose. Some of our construction loan products offer a re-lock feature, so if rates come down during construction you can capture the lower rate.1 As your home is being built, funds are advanced according to a draw schedule that you and your builder agree upon. Pay interest only on the amount that is drawn down.

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First Time Buyers

Government-Insured

Government-backed loans typically provide lower down payments than traditional loans and have more flexible credit requirements.

The Federal Housing Administration (FHA), U.S. Department of Agriculture (USDA), and the U.S. Department of Veterans Affairs (VA) insure government mortgage loans offered by PrimestoneHQ Mortgage Company that give qualified individuals the opportunity to own their own home. Eligible veterans can finance up to 100% of the purchase price2 of many homes without having to pay mortgage insurance. The seller of the property may pay up to all of your closing costs. Reservists and National Guard members may also be eligible depending on time served. Contact a mortgage professional for details about eligibility, documentation, and other requirements.

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First Time Buyers

Income-Based Programs

The professionals at PrimestoneHQ Mortgage Company offer a range of specialty mortgage programs to fit your needs.

If you’re a first-time homebuyer, or have a low to moderate income, we may be able to make the dream of homeownership possible. The professionals at Primestone Mortgage Company offer a range of special mortgage programs to fit your needs. Contact a mortgage professional to discuss your options. The HomeReady Mortgage Plus3 can help potential homebuyers who can't afford a large down payment or who face unique circumstances. It’s a flexible, affordable option designed to meet a diverse range of financial and family needs.

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First Time Buyers

Jumbo Loans

If you're looking for a loan that exceeds loan servicing limits, a Jumbo loan may be right for you.

If you're in the market to purchase a home in a higher price range, you'll likely need a special type of mortgage. Our experienced mortgage loan officers can help guide you through the process of applying for a Jumbo loan. A loan is considered a Jumbo loan if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac—currently $647,200 for a single family property.

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Important Disclosures

1 This offer is valid for new consumer money market accounts. Individual Retirement Accounts (IRAs) and IntraFiSM Network DepositsSM – MMDA Option are not eligible. Offer may be extended or withdrawn without notice. Promotional rate is based on a minimum deposit of $10,000 and must be new money to the bank. New money is defined as funds not on deposit with Primestone Bank at time of account opening. Account must be opened between December 18, 2025 and February 25, 2026.

Annual Percentage Yield (APY) is accurate as of December 18, 2025. Balances $0–$999 earn 0.00% APY; $1,000–$9,999 earn 0.40% APY; $10,000 or more earn 3.55% APY. Rate may change after account is opened. Preferred Pricing rate bonus not available for this account. Fees may reduce earnings.

Message and data rates may apply.

For Mobile Deposit: You must first enroll in our Online Banking and download the Mobile and Tablet Banking apps. This feature is not available with Text/SMS Banking. Deposits are subject to verification and are not available for immediate withdrawal. Daily and monthly deposit limits may apply. Please read full online banking terms of service including information on deposit limits here.

At certain places on this site, you may find links to web sites operated by or under the control of third parties. Primestone Financial Corporation or any of its subsidiaries, including Primestone Bank, N.A. (which operates as the following: Primestone Financial Advisors, Primestone Leasing Company, Primestone Private Bank, and Primestone Mortgage Company) do not endorse, approve, certify, or control those external sites and do not guarantee the accuracy or completeness of the information contained on those web sites. Primestone Financial Corporation or its subsidiaries may not be affiliated with organizations or third parties mentioned on the page.