HomeReady Mortgage - Harvard University Employees Credit Union
Please note: For the most up-to-date information on HUECU's response to the COVID-19 pandemic including branch availability, please visit huecu.org/covid-19-help.

We’ll  get you home.

HomeReady™ is a mortgage product designed for creditworthy, low-to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities.

This product features:

  • As low as 3% down payment
    • Up to 97% loan-to-value (LTV) financing for home purchases.
  • Use flexible sources of funds for down payment and closing costs.
    • Roommates and relatives may help qualify even if they are not included on the mortgage.
    • Co-borrowers are not required to live in the home, so relatives or other individuals may assists with the home purchase.
  • Single family homes, condominiums, 2 – 4 family homes
    • Purchases must be primary residence only.
  • Framework® Homeownership course prepares you for sustainable homeownership
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