Low Down Payment


  • Low down payment options
  • Flexible credit and income guidelines

FHA Loans

VA Loans

Initial Fixed Loans

*Offer applies to purchase loans to 95% loan-to-value only. Based on a first mortgage of $453,100 and a 5% down payment for a total purchase of $476,950. Financing available up to $453,100 for owner-occupied California or North Carolina primary residence properties only. Minimum 720 FICO score required.  Loan requires two months of PITI reserves. Borrower(s) and Property must meet mortgage insurance guidelines.  Mortgage insurance required. Other restrictions may apply. Please consult your tax advisor regarding the deductibility of interest and charges. See account disclosure for complete details. Offer cannot be combined with other discounts or promotions. Certain membership requirements may apply. NMLS registered. Equal Housing Lender.
**ARM-Adjustable Rate Mortgage. Closing Cost credit cover the loan processing fees of $1095 in CA and $895 in NC

Want to learn more about Initial Fixed Loans? Click here.

Down Payment Assistance

Based on the location and type of property you may be eligible for down payment assistance program through local city or county programs.  To search for available programs in your city and for more information, visit the Housing and Urban Development Agency website.

The following programs may have money available to assist you through assistance programs.  For details, eligibility, and qualification details please contact the agencies directly.


North Carolina:

The programs outlined herein are not endorsed, managed, or supported by Excite Credit Union.  This information is meant as reference material for independent research for available government and trust options in your area.  Excite Credit Union does not guarantee funds, eligibility, qualification, or continuation of any down payment assistance programs through any of these websites.  First Mortgage programs applied for in connection with down payment assistance programs may not be available through Excite Credit Union.  Contact us directly for information regarding any Excite Credit Union products, eligibility, and programs.  Excite Credit Union is an Equal Opportunity Lender.