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Mortgage Loans
More Ways to Make Homeownership Possible
Whether you're buying your first home, improving the one you own or financing a renovation, Horizon Bank offers specialized loan programs to help you move forward with confidence.
- Mortgage Loans
- Community Home Loan Programs
Community Loan Programs for Every Stage of Homeownership
Down Payment & Affordable Financing
Eligible borrowers may qualify for programs that reduce upfront costs or offer flexible financing options.
Community Reinvestment Act (CRA)
Programs designed to expand access to affordable home financing in qualifying communities.
Local Presence You Can Count On
Our local mortgage experts will help you compare programs and determine which options may be right for you.
Explore Community Home Loan Programs
Homeowner Ready Cash Program
Flexible financing for essential home repairs and improvements—even if traditional financing isn't the right fit.
Program Benefits
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Financing for home repairs and improvement projects
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Affordable monthly payment options
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Fast and convenient application process
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Flexible use of funds for eligible home-related expenses
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Personalized guidance from local lending experts
Common Uses
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Roof repairs and replacement
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HVAC repairs and upgrades
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Plumbing and electrical improvements
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Accessibility modifications
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Energy-efficiency upgrades
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General home maintenance and repairs
Home Improvement Loans
Finance repairs and upgrades with flexible lending solutions designed to help more homeowners qualify.
Program Benefits
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Fixed monthly payments for predictable budgeting
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Finance a variety of home improvement projects
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Preserve your home equity for future needs
Common Uses
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Kitchen and bathroom updates
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Roof, siding and window replacement
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HVAC system upgrades
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Flooring, painting and interior improvements
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Decks, patios and outdoor living projects
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Accessibility and aging-in-place modifications
HomeStyle Renovation Mortgages
A Fannie Mae® program that lets you finance home improvements when purchasing or refinancing a home with one convenient mortgage.
Program Benefits
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Finance your home purchase and renovations with one loan
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Lower closing costs than separate financing options
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Renovate before or after moving in
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Eligible for a wide range of improvement projects
Common Uses
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Modernize kitchens and bathrooms
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Replace roofing, windows or HVAC systems
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Improve energy efficiency
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Repair older homes before moving in
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Add living space or update outdated interiors
Why Choose Horizon Bank?
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Local home mortgage lenders
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Personalized financing solutions
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Community-focused lending
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Competitive mortgage options
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Guidance from application to closing
Real Stories, Real Results
“Thanks to Horizon for making my first home buying experience easy. My family is so grateful for this opportunity! We are looking forward to start a wonderful journey in our new home.”
Alisha
Horizon Bank wowed our family. They were extremely friendly and genuinely helped our family with a fresh start. Our family couldn’t have chosen a better team to start a lifelong journey of a happy home. Horizon Bank is simply the best.
Courtney