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FNB Home Ownership Plus Program

Removing the roadblocks to owning a home.

Home Ownership Plus Program

As part of our broader commitment to the communities we serve, FNB offers affordable mortgage solutions and a closing cost grant to make the dream of owning a home attainable for individuals and families.

To Start an Application or Talk to an Expert:

    • House

      Up to $5,000 in closing cost assistance*

    • Stack of Money

      100% financing up to $766,550

    • Dollar Sign Crossed Out in Circle

      No mortgage insurance requirement

    • Thumbs up icon

      Credit scores from 620 considered

  • Accessible and affordable home financing options

    Owning a home can be a key step toward financial security. That’s why FNB offers resources and guidance to support homebuyers in all the communities we serve — from educational resources on how to get a mortgage to home loans with closing cost grants and no down payment.

    Key Features:

    • Up to $5,000 in closing cost assistance*
    • 100% financing up to $766,550
    • No mortgage insurance required
    • Credit scores as low as 620 and alternative credit considered
    • Gifts or grant money can be used for mortgage closing costs

    Key Benefits:

    • No down payment means you'll need less money on hand to buy your home.
    • No mortgage insurance results in a lower monthly payment.
    • Opportunity to build generational wealth through homeownership.
    • Greater flexibility to buy the home that fits your wants and needs.

  • Applying for the FNB Home Ownership Plus Program:

    Whether you would like to get pre-approved or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your cart. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Eligibility Requirements:

    To be eligible for the FNB Home Ownership Plus Program, property being purchased must be located in a Majority-Minority Census Tract (MMCT). MMCT is defined as an assessment area having a greater than 50% minority population. This product is for first time buyers and existing home owners.

    Getting Prepared:

    Don’t worry if you aren’t sure where to start, we’ll be by your side to help you along the entire process. It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

With any account, you also get the latest in digital technology:

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

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Need help now? Call us or schedule an appointment.

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Notices & Disclosures
  • All loan products are subject to underwriting/credit approval.
  • FNB is an Equal Housing Lender; NMLS #766529.

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