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At Northwest, we understand that not everyone fits in the same box. 

That’s why we provide a number of special loan programs to meet the needs of certain groups.

First Time Homebuyers and Affordable Home Program

 

A unique loan program created to meet the needs of first time homebuyers or borrowers who meet certain income restrictions. This is our Hometown suite of products, designed specifically for the communities we serve! 

  • Fixed-rate options available

  • As little as 3% required for down payment

  • Purchase and refinance options available

  • No upfront funding fee

  • Origination fee is waived

*If applying online, please select the Hometown loan product when prompted in your application. 
 

Apply Now
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Home Possible®

 

You now have more options than ever when it comes to finding the right loan for your home.  Through a partnership with Freddie Mac, Northwest offers the Home Possible® loan program, featuring low down payment options, as low as 3%, and fixed-rate options with terms up to 30 years.   

  • Purchase or refinance options

  • Low down payment options – as low as 3%

  • Financing up to 105%, in partnership with First Front Door program or other qualifying affordable second lien programs

  • No upfront funding fee

  • Origination fee is waived

  • Offers more competitive pricing with a credit-fee cap and less than standard fees

  • Income cannot exceed 80% of the area median income limits, based on property location

  • Reduced mortgage insurance premiums

  • Homeownership education is required for at least one qualifying borrower, if all borrowers are first-time homebuyers 

Apply Now
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Heroes Loan Program


A unique loan program created to meet the needs of heroes within our communities. 

  • Low, fixed-rate options available

  • As little as 3% required for down payment

  • Private mortgage insurance (PMI) required with less than 10% down payment

    • Can be dropped when your loan balance is 80% of the original value of your home

    •  No upfront mortgage insurance premium (MIP)

  • Purchase and refinance options available

  • Origination fee is waived

  • Heroes— active military, reservists, honorably discharged veterans and first responders

*If applying online, please select the Heroes Loan Product when prompted in your application.
 

Apply Now
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Physician’s Loan Program

 

We want to take care of the people who help take care of us. To say thanks, we’ve created a loan program available to physicians and residents with certain medical designations.

  • Practicing physicians and residents with any of the following designations are eligible for this loan program: MD, DO, OD, DDS, DMD, or DPM.

  • Fixed-rate and adjustable-rate mortgages available

  • Down payment requirements as low as 0%

  • Private mortgage insurance (PMI) not required, regardless of down payment

  • Purchase and refinance options available

  • Loan amounts available up to $1,500,000.00 based on credit score and other qualifying information

Apply Now
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HomeOne®

 

Through a partnership with Freddie Mac, Northwest offers the HomeOne® loan program, featuring low down payments on purchases and high loan-to-value refinance options.

  • No maximum income limits

  • Low down payment options – as low as 3%

  • Financing up to 97% loan-to-value

  • Purchase or no-cash out refinance options

  • Borrow up to $647,200

  • 20 and 30 year, fixed rate terms available

  • Eligible for 1-unit primary residences

  • Private mortgage insurance required with less than 20% down payment. Upfront or monthly mortgage insurance options available. Monthly mortgage insurance can be dropped when your loan balance reaches 80% of the original value of your home.

  • Homeownership education is required for at least one qualifying borrower, if all borrowers are first-time homebuyers

Apply Now
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HomeReady®

 

In partnership with Fannie Mae®, Northwest offers HomeReady®. This is an affordable, low down payment mortgage program designed for creditworthy low-income borrowers.

• Low down payment options for home purchases - as low as 3%

• High loan to value refinances - as high as 97% - with an existing Fannie Mae loan.

• Flexible sources of funding for down payment and closing costs for single unit properties – with no minimum contribution from borrower’s own funds

• Origination fee is waived and no upfront funding fee – making upfront costs lower for borrowers

• Up to 30-year, fixed rate terms – meaning consistent monthly payments

• More competitive pricing with a credit-fee cap

• Reduced mortgage insurance rates and premiums, compared to conventional mortgages

• PMI (Private Mortgage Insurance) can be canceled after borrowers’ equity reaches 20% of the home’s appraised value

• Borrower’s income cannot exceed 80% of the area median income limits, based on property’s location

• Available for first-time or repeat homebuyers

• Homeownership education is required for first-time homebuyers

Apply Now
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NMLS# 419814

 

Only deposit products offered by Northwest Bank are Member FDIC.

NOTICE: Northwest Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.

Northwest Bank, a subsidiary of Northwest Bancshares, Inc., has operating units that use the Northwest Bank owned trade, logo and/or services marks “Northwest Investment Services” to provide investment, wealth management and insurance service.  Trust, fiduciary, employee benefit plans and retirement services are offered through Northwest Bank’s Trust department.

Investment and Insurance products: (I) are not deposits or other obligations of, nor are they guaranteed by, Northwest Bank or its operating units; (II) are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by Northwest Bank or its operating units; and (III) are subject to investment risks, including the possible loss of value.

 

EllieMae is a non-affiliated provider for Northwest.

100 Liberty St. Warren, PA 16365

888-884-4626    |    info@northwest.com 

NMLS# 419814

 

Only deposit products offered by Northwest Bank are Member FDIC.

NOTICE: Northwest Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. The portal and news features are being provided by an outside source - The bank is not responsible for the content. Please contact us with any concerns or comments.

Northwest Bank, a subsidiary of Northwest Bancshares, Inc., has operating units that use the Northwest Bank owned trade, logo and/or services marks “Northwest Investment Services” to provide investment, wealth management and insurance service.  Trust, fiduciary, employee benefit plans and retirement services are offered through Northwest Bank’s Trust department.

Investment and Insurance products: (I) are not deposits or other obligations of, nor are they guaranteed by, Northwest Bank or its operating units; (II) are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by Northwest Bank or its operating units; and (III) are subject to investment risks, including the possible loss of value.

 

EllieMae is a non-affiliated provider for Northwest.