First Time Homebuyer

First Time Homebuyers

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



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



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OneUnited Bank is a preferred lender for first time homebuyer’s programs that provide down payment assistance! First time homebuyers 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 homebuyers programs to increase access to housing in the communities we serve.

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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.

Financial Education Center

Explore the benefits of home-ownership and the costs associated with a mortgage and owning a home.

Get a sense of how refinancing your mortgage may help reduce your monthly payments.

Life is full of big decisions, and it can feel overwhelming at times! This program will equip you to better manage some major financial decisions that may come your way.