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Buying your first home can be an exciting – and nerve-racking – milestone, so it's crucial to receive expert advice before you start your journey.

Let’s put your mind at ease. We're Bellco Home Loans, the affiliated mortgage company of Bellco Credit Union, with many options available to help you finally reach your goal of becoming a homeowner.

First, let’s talk about the costs associated with buying a home. Saving 20% in today’s market is out of reach for most first-time homebuyers. The good news is that you may be able to buy a home for less out-of-pocket money than you think!

If you’re a first-time homebuyer with low-to-moderate income, our 3-2-1 Home Plus program provides a variety of benefits that lower the investment needed to purchase a home. Here’s how it works:

• You bring a 3% down payment
• We give you a $2,000 eGift Card to The Home Depot^®*
• You also receive $1,000 to $2,500 toward closing**

Eligibility and requirements for 3-2-1 Home Plus include the following:

• Conventional financing with 3% down payment
• First-time homebuyers only
• Credit score as low as 620
• Includes 1-unit single-family residences, condos, and manufactured homes
• Pre-purchase counseling is required***
• Income limits apply



If you’re interested in getting started, let’s talk!

Bellco Home Loans, LLC NMLS# 2085298. Equal Housing Opportunity.

*In the state of NV, the consumer receives a $2,000 lender credit in lieu of a gift card. Payment subject to maximum allowable lender credit and minimum contribution requirements. Some loans require a minimum cash investment by the borrower, which may limit the amount of any lender credit or payment by Bellco Home Loans under the offer.

**Freddie Mac BorrowSmart^SM down payment/closing cost assistance amounts of $2,500, $1,250 or $1,000 based on Area Median Income and other eligibility criteria. $1,000 assistance applies to manufactured homes.

***Pre-purchase counseling requires a $99 counseling fee.

Bellco Home Loans is not affiliated with The Home Depot®. The Home Depot® is not a sponsor of this promotion. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. All rights reserved.

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.