Big changes start at home

At BBVA, we are making strides to be more sustainable and encouraging our customers to do the same. We’re committed to sustainable housing initiatives that can save you money in the long run, provide healthier living conditions and positively impact our environment.

That’s why we’re offering a closing cost discount up to $400 for energy efficient home purchases and refinances.

We're ready when
you are

Explore your mortgage options by speaking with a mortgage specialist or find a BBVA branch near you.

Equal Housing Lender


NMLS #402936

How does it work?

  • Ensure your home has received one of the approved sustainability certificates (ask a BBVA Mortgage Banking Officer for additional details). 
  • Before final approval, provide the approved sustainability certificate to your Mortgage Banking Officer.
  •  Once the certificate is verified, the closing cost discount will be applied.

This closing cost incentive can be used for any BBVA mortgage. Check out your options below.

Fixed-Rate Mortgages

Looking for stable monthly payments? With a Fixed-Rate Mortgage, the interest rate on your mortgage loan remains the same for its entire term.

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No and Low Down Payment Mortgages

See the key differences between the most popular no and low down payment mortgages.

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Jumbo Loans

If you’re buying a home with a higher property value and can manage larger monthly mortgage payments, a jumbo loan may be a good choice for you.

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Professional Loans

If you are a medical resident, practicing physician, attorney, oral surgeon, dentist or CPA, our Professional Mortgage Loan Program can help you achieve financial flexibility.

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Government Loan Products

If you are looking to apply for a mortgage or to refinance, you may be eligible for a FHA, VA, or USDA loan.

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Home Ownership Made Easier (HOME)

Through our Home Ownership Made Easier (HOME) mortgages, BBVA is building stronger communities and helping people achieve the dream of home ownership.  

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Construction Permanent Loans

A Construction Permanent Loan makes new home financing simple. There's just one loan application and one closing. 

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Lot Loans

Building your dream home starts with finding the perfect location. With so many considerations to make in preparing to build, let us take care of the lot financing. 

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Renovation Permanent Loans

Kitchen remodel, attic conversion, basement finishing, or bedroom add-on—major renovations can add serious value to your home.

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Foreign National Mortgage

BBVA welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase, refinance, build, or renovate a home in the United States.  

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Home Equity Loans and Lines of Credit

Your home is often your largest asset — make your home’s equity work for you with a BBVA Home Equity Loan or Line of Credit. 

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HomeReady® Mortgage

This low down payment mortgage product gives you the most flexibility to fund your mortgage down payment. 

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Adjustable-Rate Mortgages

This loan has low introductory rates, which is ideal for borrowers who plan to move or pay off their mortgage a few years after buying a home.

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Details you need to make a smart decision

All loans subject to program eligibility, collateral and underwriting requirements, and approvals, including credit approval.

Closing Cost Discount: The closing cost discount offer is available only to applicants who provide an eligible sustainability certificate before closing. The offered discount is variable and may be up to a maximum of $400. The closing cost discount can be applied to the purchase or refinance of 1-4 unit homes used as primary residences, second homes, or investment properties, and it will offset eligible closing costs. In purchase transactions, the closing cost discount cannot be used to offset fees that are already designated to be paid by the seller or other party in accordance with the sales contract. If total eligible closing costs are less than the total amount of lender credits, we will apply the excess credits to reduce principal. The offered discount is subject to program limitations, agency guidelines, minimum investment requirements, and other restrictions. Mortgage program and loan-to-value guidelines may require minimum closing cost contribution from borrower’s own funds. All loans subject to program eligibility, collateral and underwriting requirements and approval, including credit approval. Not available in all states. This closing cost discount offer is subject to change without notice and cannot be combined with any other campaign offers. 

Sustainability Certificates: Sustainability certificates must be provided by an approved home energy rater or organization indicating the property is a high-performing, energy-efficient property. Please ask your mortgage banking officer for a list of eligible certifications.

© 2020 BBVA USA Bancshares, Inc. BBVA USA is a Member FDIC and an Equal Housing Lender. BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. NMLS #402936

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