Home Loans

Calling All First-Time Home Buyers

Tired of renting? First-time homebuyer programs provide quality service along with down payment assistance up to $50,000.*

Start your home loan journey. Apply today!

Easy Online Application, 1-2-3!

Your Dream of Homeownership is Closer Than You Think!

OneUnited Bank is proud to offer the Lift Up Homeownership Program! Providing you with benefits such as:

Get $50,000 in Down Payment Assistance*

With a generous down payment assistance program, you can get the keys to your new home sooner!

Save $1,500 on Closing Costs**

Keep more money in your pocket with significant savings on closing costs. We’ll help you navigate the process efficiently and affordably.

Personalized Service

Our experienced Loan Consultants will guide you every step of the way, answering your questions.

FIRST COME, FIRST SERVED… Don’t Wait to Apply!

*The Lift Up Homeownership program provides up to $50,000 in down-payment assistance to first-time homebuyers earning no more than 120% of the HUD area median income. The program is designed specifically for people of color defined as Black, American Indian/Alaska Native, Hispanic, Asian, and Native Hawaiian/Pacific Islanders. Lift Up Homeownership is offered by Federal Home Loan Bank of Boston. OneUnited Bank and borrowers must be approved by the FHLB of Boston to participate in the Lift Up Homeownership Program. Qualifications apply. Ask for details.

**Terms and Conditions: $1,500 Includes appraisal, credit report and other lender fees. This promotion is for applications received to purchase or refinance a single family property (1-4 units), including investment property, in OneUnited Bank’s lending areas in California, Florida, and Massachusetts. Loan and credit qualifications apply. OneUnited Bank reserves the right to cancel this promotion at any time. Speak with a OneUnited Bank Home Loan Consultant for details.

Take Steps 1-2-3-4

Get pre-qualified for a mortgage by simply visiting a branch or calling us at 877-663-8648.
Take a HUD approved First Time Homebuyer class. Click HERE to find one near you.
Find a 1-4 unit home to purchase (get a Purchase & Sale Agreement).
Work with our Loan team to complete your mortgage and down payment assistance applications.

For more information, visit oneunited.com/faqs.

(Please Note: OneUnited Bank offers home loans in Boston, Los Angeles, Miami and surrounding areas. As an Equal Housing Lender, we coordinate with other down payment assistance programs. Everyone is encouraged to apply.)

Ready to Get Started?

Apply online or visit a branch today!

For assistance in completing your application, please contact a Loan Consultant today!

Qualifications apply. Please consult with each program for more details.

Financial Education Center

Visit the Financial Education Center

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money, how you’re achieving and how you can improve.