HOPE 100


100% Home Mortgage Financing

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HOPE stands for Home Ownership Purchasing Empowered. It is the best “new way” to get you into a “new home” today!

With the HOPE 100 Program:

  • 100% financing for home purchase
  • Seller contribution is a maximum of 6% to closing costs
  • No PMI escrow is required
  • Refinance allowed with conditions

Qualifying for the HOPE 100 is easy. To qualify:

  • The home must be the primary residence
  • Buyers need a 620 or higher FICO
  • Minimum home value $100K with a maximum loan amount of $250K
  • House must be a site-built home
  • Buyer responsible for closing costs

We would love to empower you to home ownership! Apply now!

*APR = Annual Percentage Rate. Rates are based on current published interest rates and rates are determined by applicant’s credit and payment history. Rate is subject to change without notice and subject to loan requirements. The HOPE 100 program is available as an Adjustable Rate Mortgage (ARM) or as a Fixed Rate Mortgage for up to 15 years. Financing does not include closing costs which are the responsibility of purchaser and is subject to credit and income approval. Home value must be a minimum of $100,000. Maximum loan amount is $250,000. Escrow required and home must be owner’s primary residence. Federally insured by NCUA | NMLS#405460.

Why borrow through Kelly Community?

We treat you better. Here are some of the advantages you’ll get when you choose Kelly Community to handle your mortgage:

At Kelly Community, you’re part of the family.

We review each loan application on its own merit, and we’ll even sit down with you to discuss how you can qualify.

Our loan officers don’t stop at reviewing your loan application. When they pull your credit report, they’ll see if we can save you even more money on rates and monthly payments by beating any other loan rates you currently have.

We’ve helped hundreds get exactly the home they wanted. We’d love to help you too.

We’ve been voted one of the top five financial institutions in Tyler, Texas, five years running.

We’re East Texas through and through. You’re always welcome to come right into one of our branches and chat with us face-to-face.

More convenience.

You can quickly complete your application right here online.

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