Home Loans

First-Time Homebuyer

The UNITY Home Loan offers low interest rates, quality service, and low down payment requirements.

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OneUnited Bank is a preferred lender for first-time homebuyer programs that provide down payment assistance! First-time homebuyer programs, such as the ONE Mortgage Program in Boston, the Boston Home Center, or the Miami-Dade Economic Advocacy Trust (MDEAT) Program, provide down payment and closing cost assistance to address the needs of low and moderate income families.

OneUnited Bank provides pre-qualification letters, home loans and works in partnership with first time homebuyer programs to increase access to housing in the communities we serve.

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

How to Qualify

Owner occupied single family residences or condos that meet the eligibility requirements for first-time homebuyer programs AND are located in the areas we lend, which include Boston, Los Angeles and Miami.

Get Started

Get started with your home loan by visiting one of our branches

Ready to purchase or refinance?

Check out our 30 or 15 year programs today!

We offer home loans in Massachusetts (Suffolk, Middlesex and Norfolk Counties), California (Los Angeles, Orange and Ventura Counties) and Florida (Miami-Dade County) as well as Resources to find the best solution for your needs.

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