First Time Homebuyer Program

Making homeownership possible for first time buyers.

It's affordable with low minimum down payments and other benefits.

We simplify the homebuying process for first time buyers with helpful Mortgage experts and resources at every stage, from pre-approval and paperwork to closing.

  • Lower down payment requirements
  • Flexible credit requirements
  • Experienced mortgage experts

First Time Homebuyer Loan Benefits & Considerations

  • Save money for other homebuying expenses with lower down payment requirements.
  • Flexible credit requirements for those with little or less than perfect scores.
  • May be eligible to receive a lower interest rate or down payment and closing cost assistance. 
  • Could have to pay for Private Mortgage Insurance.

Apply Online

Call Us

Email Us


  • Stress-free application

We offer a digital application process, as well as expert Mortgage Loan Officers to assist you with one-on-one guidance.  

  • Fast pre-approvals

Show sellers you’re serious about buying and make a stronger offer with confidence that you can afford the mortgage.   

  • No hand offs

You’ll have a single point of contact, from application to closing with your own dedicated Mortgage Loan Officer.

  • No middle man

As a Bank, we’re a Direct Lender, which means your mortgage stays close to home.   

  • 24/7 access

Enjoy anytime access to our Borrower Loan Portal that make it simple and secure to get updates or provide documents. 

  • Smooth closings

Digital closing options are available in select areas to make your special day that much better.  


Ready to get moving? We’re here to help.

We make it easy with our simple, secure online applicaiton.

Call to connect with our experienced Mortgage Loan Officers.

Email us with any questions or to get started.


Patriot Bank is a full-service bank offering mortgages nationwide, with branches in the Connecticut and New York area. 

Equal Housing Lender

Financing available up to 97% for qualified borrowers (max loan of $766,550 for most areas). Mortgage insurance required. Financing available up to 100% for qualified borrowers (VA) up to Veterans Administration Jumbo limits.