Make Home Ownership Possible with HomeOne

HomeOne Mortgage

LH Lending is excited to offer a new home loan program, HomeOne, for First Time Buyers.  This unique product is perfect for first time home buyers who want to put down as little as 3% down payment – no matter their income limit or their location.


  • Up to 97% financing
  • Minimum 3% down payment
  • No income limits
  • No geographic limits
  • One Borrower must be a 1st Time Buyer
  • Purchase & Rate – Term Refi
  • Primary Residence Only
  • 30-Year Fixed
  • All Borrowers must occupy the property
  • Gifts allowed
  • No Reserves required
  • Mortgage Insurance is required for LTV > 80%
  • Home Buyer Education required if both borrowers are 1st Time Buyers

Contact our award-winning team today


A First Time Home Buyer is an individual that has had no ownership interest in a residential property in the last 3 years. 

A 30 year fixed rate loan with 360 equal payments, at a 90% LTV loan, resulting in a 10% downpayment, and an annual percentage rate of 4.75% will have a monthly principal and interest payment of $1,043 per month. This payment does not include the amounts for taxes, property insurance, or mortgage insurance.