Making Homeownership Easier


See what a BBVA Mortgage can do for you.

At BBVA, we believe that homeownership fosters a sense of community, establishes a foundation for future generations, and creates opportunities for the members of those communities. 

Through our Home Ownership Made Easier (HOME) mortgages, you can enjoy:

  • Up to 100% Loan-to-Value1 (No Down Payment Required)
  • BBVA may pay certain closing fees, up to $4,500
  • No requirement for Private Mortgage Insurance (PMI)
  • Borrowers may use Seller Contributions, Gift Funds from relatives, and BBVA approved Down Payment Assistance (DPA) Programs to help qualify
  • Income limits apply unless the property is located in a low or moderate income census tract
  • Homeownership education to help you enjoy long-term, sustainable homeownership

At BBVA, we’re creating opportunities for homeowners. Talk to a BBVA mortgage banking officer today about how our HOME product, or any of BBVA mortgage solutions, could help put you in the home of your dreams.

Details you need to make a smart decision

1Requires a $500 contribution toward the transaction from the borrower’s own funds. Maximum loan-to-value is less for loans on condominiums and for certain other transactions. Talk with a BBVA mortgage expert for details. 

Program applies to first lien residential mortgage loans to purchase or refinance a primary residence in AL, AZ, CA, CO, FL, NM, & TX. For properties located outside of LMI census tracts (to determine see income restrictions apply.

To qualify for a lender credit to off-set a portion of the closing costs, the loan must meet certain eligibility requirements and close. Those eligibility requirements include, but are not limited to (1) the property must either be located in a Low or Moderate income census tract (, or (2) the income for applicants on the loan must be less than 80% of the FFIEC median family income. Lender credit not to exceed $4,500 will be applied to off-set a portion of the closing costs at the time of closing, after final underwriting and product eligibility has been confirmed. The lender credit granted by the Bank cannot be used to off-set fees that are already designated to be paid by the seller or other party in accordance with the sales contract and cannot be used to off-set pre-paid items such as insurance premiums, taxes, other escrow set-up items, pre-paid interest or to pay discount points. Examples of fees that may be off-set by the lender credit include origination fee, 4506-T fee, underwriting fee, processing fee, tax service fee, flood certification fee, appraisal fee, credit report fee, lender’s title policy, county recording fees, pest, survey and others although never to exceed a total amount of $4,500. Consumer may receive cash back resulting from the lender credit only for items paid outside of closing (POC), for example, the appraisal and credit report fees. Discount points and pre-paid items can be paid by the seller or other third party up to the amount allowed by the product guidelines.

Collateral / Loan Terms: Loans subject to program eligibility, collateral and underwriting requirements. All Borrowers and / or Properties eligible for the HOME Product are eligible for the up to $4,500 bank-paid closing costs promotion. Property insurance is required, including flood insurance where applicable. Maximum loan limits and minimum equity down payment requirements apply.

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

Equal Housing Lender