Our Community Home Lending Program

At 1st Security Bank, we are committed to our deeper purpose of fostering strong communities and households through homeownership. Our Community Lending Program aims to help as many individuals as possible achieve the dream of owning a home or reduce the interest rates on their existing mortgages.

We offer Conventional and Conventional High Balance Loan Programs that help to reduce the costs associated with purchasing or refinancing a home located in targeted areas of Washington, Oregon, Idaho, California, Arizona, Nevada, and Colorado.

Additional Features:

No Income Limits
Eligible properties include Single Family Residence, Condo/PUD, 2-4 Unit, Primary. Attached/Detached Properties.
30 and 15-Year Fixed Terms
95% Loan-To-Value on Cash out Refinances with a 620 Minimum FICO
Loan-To-Value up to 97% with a 640 Minimum FICO
No Tricks - Just great pricing and service!

Purchase and Refinance savings examples in Community Lending areas:

On a purchase for a borrower with a FICO Score of 640 and a loan-to-value of 95%, this reduces the closing cost on a Conforming loan by 2.50%*.
For a $500,000 loan, this translates to a savings of $12,500.00.

A cash-out refinance at an 80% loan-to-value with a borrower having a 680 FICO score, the program reduces the cost by 6.00%* on a Conforming loan.
For a $500,000 loan, this results in a $30,000 reduction in our standard fee.

Regional Coverage:

To determine if your home or a prospective property qualifies, please click on the link below and enter the address or contact a loan officer today:

Identify Eligible Properties Talk with a loan officer

*Savings examples are as of 12/19/23 and pricing is subject to change.