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3% Down Mortgages
Saving thousands of dollars for a down payment is a steep hill to climb. Our low—and no-money-down mortgages for qualifying borrowers help level the playing field.
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- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 3.50% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Mobile & Online BankingBank anytime. Bank anywhere.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Direct Deposit with Early PayDirect deposits up to 5 days sooner.
- Digital WalletTap to pay with your phone.
- TellerPhone 24Manage your accounts anytime, without going online.
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Help Center
- Card Help Center Have questions about your debit or credit card? We can help! <
- Security Center Learn what to do if you suspect fraud, view fraud prevention tips and common scams in the area.
- Mortgage Help Center Have mortgage questions? We can help!
- Identity Theft Protection Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring.
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
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- About Arbor
Knocking down another obstacle to homeownership.
With car loans, student loans, and a growing family, it's difficult to save money — but that doesn't mean you have to delay your dreams. Arbor Financial's 3% Down Mortgage means you could need thousands of dollars less for a down payment than with conventional loans to buy a home in Michigan.
Call us today at 269.544.3105 and find out what our team can do for you!
Here's how a 3% Down Loan can move you into a new home:
- Perfect for buyers who have limited funds for a down payment.
- Several loan terms are available.
- Low 3% down payment.
- Closing costs will still be needed
- Easy application process with a quick response.
- Loan pre-approval process to help you focus your housing search.
- Loan serviced at Arbor Financial, so you'll always speak to someone local should you have questions.
When you're ready to apply, here's what to consider:
You'll need documentation for all borrowers, including:
- Social Security number
- Contact and employment information
- Best estimates of income, assets, and liabilities
Once you've applied, we'll contact you to:
- Guide you through the loan process
- Complete your loan application package
- Help you select the best program and interest rate
Michigan State Housing Development Authority (MSHDA)
Arbor Financial is one of the few certified partners of MSHDA. This great partnership allows us to help our members more by adding another downpayment assistance program to our catalog. Qualified borrowers can get up to $10,000 to help with closing costs, down payments, or prepaid expenses. All our Mortgage specialists are experienced in the program and ready to help you.
MSHDA also allows qualified members to claim a Mortgage Credit Certificate (MCC). MCC is a tax credit that will enable borrowers to credit 20% of their annual mortgage interest on their taxes for up to 30 years.