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Home Mortgage Aside Include

Putting Together Your Down Payment

Shopping for a mortgage loan? We will be glad to help! Give us a call at (308)384-4840 GI. We’re here whenever you’re ready to get started.


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Gifts as Down Payment

For many buyers, especially first-time buyers, saving up the funds for the down payment can be a seemingly insurmountable hurdle to home ownership. This doesn’t have to be the case. As your mortgage broker, Five Points Bank can help you find creative ways to come up with your down payment.

What is PMI?

Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio (the amount of your mortgage loan divided by the value of your home) is greater than 80 percent.

PMI isn't a bad thing as it allows you to make a lower down payment and still qualify for a mortgage loan

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