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.

*Not a commitment to lend.  All loans subject to credit and property approval.  The following terms are for illustrative purposes only.  Rates, payments, and loans terms vary by consumer based on their individual qualifying information.   The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance. 

Loan Term Down Payment Annual Percentage Rate Estimated Monthly Payment
30 year fixed rate 10% (90% LTV) 4.75% $1,043