{"id":16627,"date":"2024-07-08T22:10:30","date_gmt":"2024-07-08T22:10:30","guid":{"rendered":"https:\/\/www.hopecu.org\/?page_id=16627"},"modified":"2025-08-27T11:31:28","modified_gmt":"2025-08-27T15:31:28","slug":"home-loans","status":"publish","type":"page","link":"https:\/\/www.hopecu.org\/personal\/home-loans\/","title":{"rendered":"Home Loans"},"content":{"rendered":"\n<section class=\"product-category-hero relative\" id=\"product-category-hero-block_aab4279a8a2893e0e0bd75116bd24335\"\n    style=\"background: rgb(241,239,229); background: linear-gradient(0deg, rgba(241,239,229,1) 65%, rgba(255,255,255,1) 100%);\">\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 product-category-hero-inner\">\n            <div class=\"flex w-100 justify-center items-center product-category-hero-top\">\n                <div class=\"flex justify-center items-center\">\n                    <div>\n                        <h1 class=\"page-hero-heading\">Home Loans<\/h1>\n                        <p class=\"page-hero-content\">Make homeownership happen with affordable loans from  HOPE.<\/p>\n                                                    <a href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\"\n                                class=\"cta-btn cta-btn-outline-light mt4\">Get Started<\/a>\n                                            <\/div>\n                <\/div>\n                <div>\n                    <img decoding=\"async\" class=\"hope-hero-image\" src=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/08\/Loans-Mortgage.jpg\" alt=\"\">\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 hope-inner\">\n            <div class=\"flex w-100 justify-between items-start product-category-hero-sub pv5\">\n                <div class=\" w-60 pr5 \">\n                    <h2 class=\"product-category-sub-heading mb3\">Homeownership is a dream for many families across the Deep South. Hope Credit Union (HOPE) can help you make that dream become a reality.<\/h2>\n                    <p class=\"product-category-sub-content\"><p>HOPE offers a full range of home loan options that meet a variety of needs.<sup>2<\/sup> We\u2019ll be there with you during each step of the homebuying process and work with you to find the lowest rates and best choices for you.<\/p>\n<p>&nbsp;<\/p>\n<p>Take advantage of our special $500 closing cost offer for first-time homebuyers.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"#home-loans\">View Home Loans<\/a><\/strong><\/span>.<\/li>\n<li><a href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\"><strong><span style=\"text-decoration: underline;\">Meet our mortgage lenders<\/span><\/strong><\/a>.<\/li>\n<li><a href=\"https:\/\/www.hopecu.org\/product\/financial-calculators\/\"><span style=\"text-decoration: underline;\"><strong>Calculate Your Mortgage<\/strong><\/span><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.hopecu.org\/rates\/\" target=\"_blank\" rel=\"noopener\">See Our Rates<\/a><\/strong><\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\" target=\"_blank\" rel=\"noopener\">Apply Now<\/a><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>What Is a Home Loan?<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>A home loan, or mortgage, is money you borrow from a lender to help you buy a house. You agree to repay it over time, usually in monthly payments that include principal, interest, and sometimes insurance or property taxes.<\/p>\n<p>&nbsp;<\/p>\n<p>With HOPE, a home loan is more than a transaction. It\u2019s a step toward building financial stability, generational wealth, and long-term success. Whether buying your first home, moving to a larger space, or refinancing, we\u2019re here to make it happen.<\/p>\n<\/p>\n                <\/div>\n                                    <div class=\"w-40\">\n                        <div class=\"flex justify-center items-center product-category-percent-grid\">\n                                                            <div class=\"flex flex-column justify-center items-center product-category-hero-rate\">\n                                    <h3 class=\"product-category-hero-rate-heading tc mb3\">Affordable Home Program Loan<\/h3>\n                                                                            <p class=\"product-category-hero-rate-label\">Rates as Low as<\/p>\n                                                                        <div class=\"flex justify-center items-center\">\n                                        <p class=\"product-category-hero-rate-percent\">6.979<\/p>\n                                        <div class=\"flex flex-column items-center ml2\">\n                                                                                            <p class=\"percent\">%<\/p>\n                                                <p class=\"percent-type\">APR<\/p>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                                                                                <\/div>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"flex justify-center items-center product-cat-nav pv3\">\n    <ul class=\"w-90 flex justify-between items-center\" id=\"product-cat-nav\">\n    <\/ul>\n<\/section>\n\n<script>\n    (function () {\n        document.addEventListener(\"DOMContentLoaded\", function () {\n\n            let main = document.getElementById('primary');\n            let scrollMarginTop = main.style.marginTop;\n\n            let nav = document.getElementById('product-cat-nav');\n            let navArr = [];\n\n            let account = document.querySelector('.product-grid');\n            let getStarted = document.querySelector('.steps');\n            let whyHope = document.querySelector('.icon-grid-b');\n            let stories = document.querySelector('.success-stories');\n            let faqs = document.querySelector('.faq');\n            let findBranch = document.querySelector('.location-finder');\n            let info = document.querySelector('.contact-us');\n\n            if (account) {\n                account.setAttribute('id', 'choose-an-account');\n                account.style.scrollMarginTop = scrollMarginTop;\n                let accountNav = document.createElement('li');\n                let accountNavLink = document.createElement('a');\n                accountNavLink.setAttribute('href', '#choose-an-account');\n                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class=\"product-grid-copy mt3\">\n                                            <\/div>\n                <\/div>\n                <div class=\"hope-column-content-main product-grid\">\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">Affordable Housing Program<\/h3>\n                            <p class=\"pgi-desc mv3\">Designed for low- to moderate-income borrowers, our Affordable Home Program permits credit scores as low as 580.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-loans\/mortgage-loan-options\/affordable-home-program\/\">Learn More<\/a>\n                        <\/div>\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">Conventional Loans<\/h3>\n                            <p class=\"pgi-desc mv3\">Ideal for borrowers with stronger credit and savings, our conventional loans offer lower interest rates and flexible terms.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-loans\/mortgage-loan-options\/conventional-loans\/\">Learn More<\/a>\n                        <\/div>\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">FHA Loans<\/h3>\n                            <p class=\"pgi-desc mv3\">FHA loans make homeownership possible for first-time buyers and those who can\u2019t afford the larger down payment for a conventional loan.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-loans\/mortgage-loan-options\/fha-loans\/\">Learn More<\/a>\n                        <\/div>\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">ITIN Loans<\/h3>\n                            <p class=\"pgi-desc mv3\">If you don\u2019t have a Social Security number, you can use your individual taxpayer identification number (ITIN) to pursue the dream of homeownership.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/personal\/loans\/itin-loans\/\">Learn More<\/a>\n                        <\/div>\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">USDA Loans<\/h3>\n                            <p class=\"pgi-desc mv3\">USDA loans are a smart choice for those purchasing homes in eligible suburbs and rural areas, with up to 100% financing. <\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-loans\/mortgage-loan-options\/usda-loans\/\">Learn More<\/a>\n                        <\/div>\n                                            <div class=\"product-grid-item\">\n                            <h3 class=\"pgi-title\">VA Loans<\/h3>\n                            <p class=\"pgi-desc mv3\">Loans just for veterans, active-duty service members, and eligible spouses, offering no down payment and competitive interest rates.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-loans\/mortgage-loan-options\/va-loans\/\">Learn More<\/a>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"steps relative pv6\" id=\"steps-block_55a732e4a0e3a6bc6c31ad4925788ca3\" style=\"background-color: #F4F4F4;\">\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 hope-inner\">\n            <div class=\"hope-column-content-layout\">\n                <div class=\"hope-column-content-side\">\n                    <h2 class=\"hope-column-heading\">2 Easy Ways to Get on the Path to Homeownership<\/h2>\n                <\/div>\n                <div class=\"hope-column-content-main step-grid\">\n                                            <div class=\"step\">\n                            <div class=\"step-number step-number-1\">\n                               1                            <\/div>\n                            <h3 class=\"pgi-title\">Get Started Online<\/h3>\n                            <p class=\"pgi-desc mv3\">Use our quick and easy electronic contact form today and get started on the journey to your new home.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\">Get Started<\/a>\n                        <\/div>\n                                            <div class=\"step\">\n                            <div class=\"step-number step-number-2\">\n                               2                            <\/div>\n                            <h3 class=\"pgi-title\">Connect with our lending specialists<\/h3>\n                            <p class=\"pgi-desc mv3\">Connect with one of our mortgage experts and get the guidance you need to complete your application.<\/p>\n                            <a class=\"cta-btn btn-solid\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\">Meet Our Lenders<\/a>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"icon-grid-b relative pv6\" id=\"icon-grid-b-block_b57084edb5741ed7048fbb59e52993d1\" style=\"background: rgb(0,116,107); background: radial-gradient(circle, rgba(0,116,107,1) 0%, rgba(1,113,104,1) 25%, rgba(1,75,70,1) 100%);\">\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 hope-inner\">\n            <div class=\"hope-column-content-layout\">\n                <div class=\"hope-column-content-side\">\n                    <h2 class=\"hope-column-heading white\">Benefits of Choosing HOPE for Home Financing<\/h2>\n                <\/div>\n                <div class=\"hope-column-content-main product-grid\">\n                                            <div>\n                            <img decoding=\"async\" class=\"igb-icon mb3\" src=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/08\/Icon-Dollar-Bills.png\" alt=\"Flexible lending Icon\">\n                            <h3 class=\"pgi-title white mb2\">Flexible lending<\/h3>\n                            <p class=\"pgi-desc white\">There\u2019s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.<\/p>\n                        <\/div>\n                                            <div>\n                            <img decoding=\"async\" class=\"igb-icon mb3\" src=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/08\/Icon-Graph-and-Arrow-Down.png\" alt=\"Low or no down payments Icon\">\n                            <h3 class=\"pgi-title white mb2\">Low or no down payments<\/h3>\n                            <p class=\"pgi-desc white\">With HOPE, you may be able to buy a home with no money down, or as little as 3% down for loans over $250,000. Qualified borrowers may be eligible for down payment assistance based on availability and location.<\/p>\n                        <\/div>\n                                            <div>\n                            <img decoding=\"async\" class=\"igb-icon mb3\" src=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/08\/piggy-save.png\" alt=\"Lower Fees Icon\">\n                            <h3 class=\"pgi-title white mb2\">Lower Fees<\/h3>\n                            <p class=\"pgi-desc white\">Buying a house is expensive enough. We work to keep fees and costs low to save you money when purchasing or refinancing a home.<\/p>\n                        <\/div>\n                                            <div>\n                            <img decoding=\"async\" class=\"igb-icon mb3\" src=\"https:\/\/www.hopecu.org\/wp-content\/uploads\/2024\/08\/Icon-Checklist.png\" alt=\"Expert Support Icon\">\n                            <h3 class=\"pgi-title white mb2\">Expert Support<\/h3>\n                            <p class=\"pgi-desc white\">Don\u2019t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.<\/p>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"success-stories relative pv6\" id=\"success-stories-block_494fe997b891f3f1049590e029571769\" style=\"background-color: white;\">\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 hope-inner\">\n            <div class=\"hope-column-content-layout\">\n                <div class=\"hope-column-content-side\">\n                    <h2 class=\"hope-column-heading mb3\">Member Success Stories<\/h2>\n                    <p class=\"hope-column-copy\">The power of HOPE enables our members to live their best lives. See how we\u2019ve empowered their financial success\u2014and how we can help you too.<\/p>\n                <\/div>\n                <div class=\"hope-column-content-main flex justify-between items-center\">\n                    <img decoding=\"async\" class=\"testimonial-arrow-back\" id=\"testimonial-arrow-back-315819\" src=\"\/wp-content\/uploads\/2024\/05\/carousel-arrow-left.svg\"\n                        role=\"button\">\n                    <div class=\"glide testimonial-block-glide\" id=\"glide-315819\">\n                        <div class=\"glide__track\" data-glide-el=\"track\">\n                            <ul class=\"glide__slides\">\n                                                                    <li class=\"glide__slide\">\n                                        <div>\n                                            <p class=\"testimonial-quote\">\n                                                \u201cWe were almost ready to give up when we came to HOPE. With their affordable financing, we got into a new home in a neighborhood we love.\u201d                                            <\/p>\n                                            <div class=\"testimonial-sep mv4\"><\/div>\n                                            <p class=\"testimonial-author\">\n                                                James B.                                            <\/p>\n                                            <p class=\"testimonial-location\">\n                                                Tennessee                                            <\/p>\n                                        <\/div>\n                                    <\/li>\n                                                                    <li class=\"glide__slide\">\n                                        <div>\n                                            <p class=\"testimonial-quote\">\n                                                \u201cI love my home. This is something I\u2019ve always wanted. They chose the right name when they chose HOPE, because that\u2019s what they give people every day.\u201d                                            <\/p>\n                                            <div class=\"testimonial-sep mv4\"><\/div>\n                                            <p class=\"testimonial-author\">\n                                                Phyllis R.                                             <\/p>\n                                            <p class=\"testimonial-location\">\n                                                Mississippi                                            <\/p>\n                                        <\/div>\n                                    <\/li>\n                                                                    <li class=\"glide__slide\">\n                                        <div>\n                                            <p class=\"testimonial-quote\">\n                                                \u201cI\u2019d tried to buy a home before, but always met with disappointment. It\u2019s a great feeling to see all the hard work pay off. HOPE knew how important this was to my family and worked as hard as I did to make it happen.\u201d                                            <\/p>\n                                            <div class=\"testimonial-sep mv4\"><\/div>\n                                            <p class=\"testimonial-author\">\n                                                Vanessa H.                                            <\/p>\n                                            <p class=\"testimonial-location\">\n                                                Louisiana                                            <\/p>\n                                        <\/div>\n                                    <\/li>\n                                                            <\/ul>\n                        <\/div>\n                        <div class=\"glide__bullets\" style=\"margin-top: 2rem;\" data-glide-el=\"controls[nav]\">\n                                                            <button class=\"testimonial_glide_bullet glide__bullet\"\n                                    data-glide-dir=\"=0\"><\/button>\n                                                            <button class=\"testimonial_glide_bullet glide__bullet\"\n                                    data-glide-dir=\"=1\"><\/button>\n                                                            <button class=\"testimonial_glide_bullet glide__bullet\"\n                                    data-glide-dir=\"=2\"><\/button>\n                                                    <\/div>\n                    <\/div>\n                    <img decoding=\"async\" class=\"testimonial-arrow-fwd\" id=\"testimonial-arrow-fwd-315819\" src=\"\/wp-content\/uploads\/2024\/05\/carousel-arrow-right.svg\"\n                        role=\"button\">\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<script defer>\n    (function () {\n\n        let hc = new Glide('#glide-315819', {\n            type: 'carousel',\n        }).mount();\n\n        let hcBack = document.getElementById('testimonial-arrow-back-315819');\n        hcBack.addEventListener('click', function () {\n            hc.go('<');\n        });\n\n        let hcFwd = document.getElementById('testimonial-arrow-fwd-315819');\n        hcFwd.addEventListener('click', function () {\n            hc.go('>');\n        });\n\n    })();\n<\/script>\n\n\n<section class=\"faq relative pv6\" id=\"faq-block_1c57cf3aa5a5d7ebd9157ed53c34c39d\"\n    style=\"background-color: #F2EFE5;\">\n    <div class=\"flex w-100 justify-center items-center\">\n        <div class=\"w-90 hope-inner\">\n            <div class=\"hope-column-content-layout\">\n                                    <div class=\"hope-column-content-side\">\n                        <h2 class=\"hope-column-heading mb3\">Question<\/h2>\n                        <p class=\"hope-column-copy\"><p>The power of HOPE enables our members to live their best lives. See how we\u2019ve empowered their financial success\u2014and how we can help you too.<\/p>\n<\/p>\n                    <\/div>\n                                <div class=\"hope-column-content-main faq-accordion secwis-cont\" >\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>How do I apply for a mortgage?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>Apply for HOPE home loan by filling out an\u00a0application or visiting with one of our <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\">mortgage lenders<\/a><\/span>.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>What type of information do I need to apply for a home loan?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>When applying for a home loan like a mortgage, you will need:<\/p>\n<ul>\n<li>Tax returns and W-2s<\/li>\n<li>Current pay stubs to show proof of income<\/li>\n<li>Identification, like a driver\u2019s license or passport<\/li>\n<li>Your social security or tax identification number<\/li>\n<\/ul>\n<p>If you\u2019re looking to refinance your home, you\u2019ll need to provide information about your current mortgage and property details, like when it was built and its appraised value.<\/p>\n<p>With Hope Credit Union, you\u2019ll find a partner ready to guide you through the application process every step of the way. Our lending professionals help members just like you with applications every day to make homeowner goals a reality.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>How soon will I receive a decision after I submit my application?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>Response times vary based on the type of loan for which you are applying and whether you are able to provide all the required information when it is needed.<\/p>\n<p>&nbsp;<\/p>\n<p>Discuss decision timelines with our staff to get an accurate picture of what to expect in your case.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>How much of a mortgage can I afford?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>Generally, your mortgage payments shouldn\u2019t exceed 28% of your monthly income. Still, there are a lot of factors to consider when determining \u201chow much home\u201d you can afford, including property taxes, existing debts, savings, and your other monthly expenses.<\/p>\n<p>At Hope Credit Union, our lending professionals work closely with you to understand your unique financial situation and establish a homebuying budget. We offer a wide range of mortgages, including down-payment assistance programs and other loans designed for low- to moderate-income families\u2014all to make homeownership possible for the members we serve.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>When is my first payment due?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>Your first payment is due 30 to 60 days after you receive your loan. You can find your payment due date on your closing documents and your monthly statement.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>I have a bad, limited, or no credit history. Can I still get a loan at HOPE?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>At Hope Credit Union, we believe in equal access to economic opportunities and seek to provide financial assistance whenever possible. We don\u2019t count medical collections against you, and we can look at nontraditional if your history is limited.<\/p>\n<p><a class=\"in-copy-link-color\" href=\"https:\/\/www.hopecu.org\/product\/mortgage-lending-team\/\">Visit with a mortgage lender<\/a>\u00a0to discuss your specific financial situation and see how we can help.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                            <div class=\"faq-acc-item\">\n                            <div class=\"faq-acc-heading flex justify-between items-center\">\n                                <h2>How do I make a mortgage loan payment?<\/h2>\n                                <div class=\"acc-plus\">\n                                    <div class=\"plus-line plus-rt\"><\/div>\n                                    <div class=\"plus-line\"><\/div>\n                                <\/div>\n                            <\/div>\n                            <div class=\"faq-cont\">\n                                <div class=\"faq-cont-inner\">\n                                    <p>Paying your loan is easy and convenient. You can mail your payment or <a href=\"https:\/\/www.hopecu.org\/product\/online-mortgage-payments\/\">make payments online<\/a> using our <a href=\"https:\/\/www.hopecu.org\/product\/personal\/tools\/digital-banking\/\">free electronic banking<\/a> options with online or mobile devices, or by phone.<\/p>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<script defer>\n\n    (function () {\n        \n        const accordion = document.querySelectorAll('.faq-acc-heading');\n        const accordionContent = document.querySelectorAll('.faq-cont');\n\n        const plusAcc = document.querySelectorAll('div.plus-rt');\n\n        const maxHeight = \"max-content\";\n\n        accordion.forEach(acc => {\n            acc.addEventListener('click', (e) => {\n\n                let currentContent = acc.nextElementSibling;\n\n                const plus = acc.querySelector('div.plus-rt');\n\n                if (getComputedStyle(currentContent).height == '0px') {\n                    accordionContent.forEach(cont => {\n                        if (cont == currentContent) {\n                            let inner = cont.querySelector('.faq-cont-inner');\n                            let innerHeight = inner.clientHeight;\n                            cont.style.maxHeight = 'calc(' + innerHeight + 'px + 2rem)';\n                            cont.style.height = 'calc(' + innerHeight + 'px + 2rem)';\n                            plus.style.transform = 'rotate(90deg)';\n                            plusAcc.forEach(plusEl => {\n                                if (plusEl != plus) {\n                                    plusEl.style.transform = 'rotate(90deg)';\n                                }else{\n                                    plus.style.transform = 'rotate(0deg)';\n                                }\n                            });\n                        } else {\n                            cont.style.maxHeight = '0px';\n                            cont.style.paddingBottom = '0px';\n                            plus.style.transform = 'rotate(0deg)';\n                        }\n                    });\n                } else {\n                    currentContent.style.maxHeight = '0px';\n                    currentContent.style.height = '0px';\n                    currentContent.style.paddingBottom = '0px';\n                    plus.style.transform = 'rotate(90deg)';\n                }\n\n            });\n        });\n\n    })();\n\n<\/script>\n\n\n<section class=\"location-finder location-search relative\" id=\"location-finder-block_b99e442134c27474870f9d316a873b90\">\n    <div class=\"flex justify-center items-start\">\n        <div class=\"loc-search-box flex justify-center items-center\">\n            <div>\n                <h2 class=\"location-search-title mb3\">Find a Location<\/h2>\n                <p class=\"location-search-copy\">\n                    HOPE has 23 locations ready to serve you across the Deep South. Additionally, HOPE is a member\n                    of the <a class=\"underline\" href=\"https:\/\/www.sharedbranching.org\">Shared Branching Network<\/a>. This affiliation allows HOPE members to visit more than 5,000\n                    credit union locations nationwide.\n                <\/p>\n                <div class=\"filter-location-type flex justify-start items-center mv4\">\n                    <div class=\"flex items-center\">\n                        <input class=\"map-checkbox\" type=\"checkbox\" id=\"branch\" value=\"branch\">\n                        <label class=\"checkbox-lbl ml2\" for=\"branch\">Branch<\/label>\n                    <\/div>\n                    <div class=\"flex items-center ml4\">\n                        <input class=\"map-checkbox\" type=\"checkbox\" id=\"atm\" value=\"atm\">\n                        <label class=\"checkbox-lbl ml2\" for=\"atm\">ATM<\/label>\n                    <\/div>\n                <\/div>\n                <form action=\"\/branches\" method=\"get\" class=\"flex mb2\" id=\"zip-search\">\n                    <input type=\"text\" name=\"zipcode\" id=\"zipcode\" placeholder=\"Enter zip code\"                         class=\"footer-input w-60 bg-white\">\n                    <button type=\"submit\" class=\"footer-btn w-40 ml3\">Find Locations<\/button>\n                <\/form>\n                <a class=\"current-location white\" href=\"#\" id=\"use-my-location\">use my current location ><\/a>\n                <a class=\"current-location white db mt2\" href=\"\/branches\">view all locations ><\/a>\n            <\/div>\n        <\/div>\n        <div class=\"search-map-wrapper\">\n            <div class=\"loc-map-box-loader\" id=\"loc-search-map-loader\">\n\n            <\/div>\n            <div class=\"loc-map-box\" id=\"loc-search-map\">\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<script>\n\n    (function () {\n        let map;\n\n        let locations = [{\"id\":602,\"title\":\"McGehee Road\",\"address\":{\"street\":\"3421 McGehee Road\",\"city__town__county\":\"Montgomery\",\"state\":\"AL\",\"zip\":\"36111\"},\"geo\":{\"latitude\":\"32.3338117\",\"longitude\":\"-86.2480703\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/mcgehee-road\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":794,\"title\":\"Arba Street\",\"address\":{\"street\":\"400 Arba Street\",\"city__town__county\":\"Montgomery\",\"state\":\"AL\",\"zip\":\"36094\"},\"geo\":{\"latitude\":\"32.36728\",\"longitude\":\"-86.304428\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/arba-street-branch\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":22431,\"title\":\"Parkway East\",\"address\":{\"street\":\"9178 Parkway East\",\"city__town__county\":\"Birmingham\",\"state\":\"AL\",\"zip\":\"35206\"},\"geo\":{\"latitude\":\"33.586587\",\"longitude\":\"-86.70132\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/parkway-east\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":797,\"title\":\"College Station\",\"address\":{\"street\":\"4000 Gray Street, Suite B\",\"city__town__county\":\"College Station\",\"state\":\"AR\",\"zip\":\"72053\"},\"geo\":{\"latitude\":\"34.707771\",\"longitude\":\"-92.223992\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/college-station\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":2154,\"title\":\"Little Rock\",\"address\":{\"street\":\"8411 I-30\",\"city__town__county\":\"Little Rock\",\"state\":\"AR\",\"zip\":\"72209\"},\"geo\":{\"latitude\":\"34.6787379\",\"longitude\":\"-92.3228241\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/little-rock\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":2156,\"title\":\"West Memphis\",\"address\":{\"street\":\"1114 Missouri Street\",\"city__town__county\":\"West Memphis\",\"state\":\"AR\",\"zip\":\"72301\"},\"geo\":{\"latitude\":\"35.1581223\",\"longitude\":\"-90.1848394\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/west-memphis-branch\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":22537,\"title\":\"Grady Memorial Hospital\",\"address\":{\"street\":\"80 Jesse Hill Jr. Drive, 2nd Floor\",\"city__town__county\":\"Atlanta\",\"state\":\"GA\",\"zip\":\"30302\"},\"geo\":{\"latitude\":\"33.7517323\",\"longitude\":\"-84.3820052\"},\"permalink\":\"https:\\\/\\\/www.hopecu.org\\\/branches\\\/grady-memorial-hospital\\\/\",\"type\":[\"ATM\",\"Branch\"]},{\"id\":2158,\"title\":\"Central City\",\"address\":{\"street\":\"1726 O. 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 style=\" background-color: #F4F4F4; \">\n    <div class=\"flex justify-center\">\n        <div class=\"w-90 hope-inner flex justify-center items-start contact-us-wrap\">\n            <div class=\"w-third\">\n                <h2 class=\"contact-heading mb3\">\n                    Contact Us                <\/h2>\n                <p class=\"contact-copy\">\n                    Need more information about a home loan or want help to get started? Send us a message.                <\/p>\n            <\/div>\n            <div class=\"w-two-thirds ml6\">\n                <script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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);\n<\/script>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n    <style>\n        h2.contact-heading{\n            color: var(--hc1);\n        }\n        p.contact-copy , .gform_confirmation_message{\n            color: #707070;\n        }\n        div.ginput_container input{\n            border-bottom-color: var(--hc1) !important;\n            color: #707070 !important;\n        }\n        div.ginput_container input::placeholder{\n            color: #707070 !important;\n        }\n        div.ginput_container textarea{\n            border: 2px solid var(--hc1) !important;\n        }\n        div.ginput_container textarea::placeholder{\n            color: #707070 !important;\n        }\n        div.ginput_container select{\n            border: 2px solid var(--hc1) !important;\n        }\n        label.gform-field-label{\n            color: #707070 !important;\n        }\n        input.gform_button , input.gform_button:hover{\n            background-color: 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A 30-year HOPE Affordable Home Program mortgage of $150,000 with an interest rate of&nbsp;6.625% (6.979% Annual Percentage Rate or \u201cAPR\u201d) and a down payment of $0 would have a monthly payment of $1,260.47. This example includes monthly taxes of $150&nbsp;and insurance premiums of $150. Actual rates and APRs and will vary based on a variety of factors, including credit history and score, loan amount, loan-to-value ratio, property and occupancy type, tax and insurance payments, closing costs, and other factors.<\/a><\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How do I apply for a mortgage?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Apply for HOPE home loan by filling out an application or visiting with one of our mortgage lenders.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What type of information do I need to apply for a home loan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"When applying for a home loan like a mortgage, you will need:  Tax returns and W-2s Current pay stubs to show proof of income Identification, like a driver\u2019s license or passport Your social security or tax identification number If you\u2019re looking to refinance your home, you\u2019ll need to provide information about your current mortgage and property details, like when it was built and its appraised value.  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Still, there are a lot of factors to consider when determining \u201chow much home\u201d you can afford, including property taxes, existing debts, savings, and your other monthly expenses. \u00a0At Hope Credit Union, our lending professionals work closely with you to understand your unique financial situation and establish a homebuying budget. We offer a wide range of mortgages, including down-payment assistance programs and other loans designed for low- to moderate-income families\u2014all to make homeownership possible for the members we serve.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"When is my first payment due?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Your first payment is due 30 to 60 days after you receive your loan. You can find your payment due date on your closing documents and your monthly statement.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"I have a bad, limited, or no credit history. Can I still get a loan at HOPE?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"At Hope Credit Union, we believe in equal access to economic opportunities and seek to provide financial assistance whenever possible. We don\u2019t count medical collections against you, and we can look at nontraditional if your history is limited. Visit with a mortgage lender to discuss your specific financial situation and see how we can help.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How do I make a mortgage loan payment?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Paying your loan is easy and convenient. You can mail your payment or make payments online using our free electronic banking options with online or mobile devices, or by phone.\"\n    }\n  }]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>1APR is Annual Percentage Rate. 2Loans subject to approval. 3Rates&nbsp;effective as of 04\/10\/2025 and&nbsp;subject to change. A 30-year HOPE Affordable Home Program mortgage of $150,000 with an interest rate of&nbsp;6.625% (6.979% Annual Percentage Rate or \u201cAPR\u201d) and a down payment of $0 would have a monthly payment of $1,260.47. This example includes monthly taxes of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1927,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-16627","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Loans | Hope Credit Union<\/title>\n<meta name=\"description\" content=\"Many across the Deep South dream of homeownership. 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