The mortgage products and services you need
We’re your one stop shop for homeownership. From our competitive home loan rates to our curated product suite with user-friendly online features, we have what you need.
Mortgages
New home purchases and refinancing
Purchasing a new home or refinancing? We have a solution. Homepoint makes home ownership a reality for your lifestyle. Our suite of mortgage products is built to match most borrowers' unique financial situations:
Conventional Mortgages
Standard Conventional Loans are great for any borrower! Whether you're a first-time homebuyer, looking to purchase a second home, interested in purchasing an investment property or looking to refinance your current mortgage; Homepoint offers a variety of conventional loan options to fit your needs.
Advantages
- Purchase programs with as little as 3% down (owner-occupied)
- Fixed-Rate Mortgage options available with 10- to 30-year terms
- Adjustable Rate Mortgages (ARMs) available with low interest rate and adjusted payment over time
- Possibility of eliminating mortgage insurance
- Minimum Credit Score of 620
FHA Loans
FHA loans are a great option for borrowers in need of a low down payment option or flexible credit score requirements to purchase or refinance a home. Homepoint offers a variety of FHA options, including the FHA Streamline program, which requires reduced documentation and underwriting compared to switching programs.
Advantages
- Down payment as low as 3.5%
- Fixed-Rate Mortgage options available with 10- to 30- year terms
- Adjustable Rate Mortgages (ARMs) available
- High Balance available in certain counties
- Minimum credit score of 580
VA Loans for Veterans
Veterans and active duty service members can make home ownership a reality through the VA Loan Program. This program has low down payment options for purchase, competitive rates and a streamlined refinance option that reduces documentation needed to close – the VA Interest Rate Reduction Refinance Loan (IRRRL). The IRRRL is a longstanding program to honor veterans; this offering allows for qualifying flexibilities and other options not offered in any other loan program.
Advantages
- No down payment
- No private mortgage insurance
- Fixed-Rate Mortgage options available with 15- to 30- year terms
- Adjustable Rate Mortgages (ARMs) available
- Refinance with the VA IRRRL
- Minimum credit score of 580
USDA Loans
If you are looking for a home in a rural area, the USDA Loan Program offers low- and moderate-income borrowers more affordable housing finance options with little or no down payment or out-of-pocket costs. USDA’s definition of rural is liberal—97% of properties can qualify for the program.
Advantages
- No down payment
- Only 1 credit score required per borrower
- Seller can contribute to the borrower's closing costs
- Fixed-Rate 30 year
- Minimum 620 credit score
Don't have a Homepoint mortgage yet? Our expert broker partners are here to help. Your mortgage broker will analyze your financial situation to find the best product for you. Your financial success as a homeowner is our number one priority.
Homeowners insurance
We know how costly homeowners insurance can be. Our customers have saved an annual average of more than $400 by switching to our trusted partner, Hippo Insurance Services*.
Exclusively for Homepoint customers: Whether you're a homeowner, or home buyer, when you have a home loan and Hippo Insurance through Homepoint, we can lower your out-of-pocket escrow costs by reducing the required balance in your Homepoint escrow account.
Is home insurance available in your state?
Available states as of Dec. 2020: Alabama, Arizona, Arkansas, California, Connecticut, Colorado, Delaware, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Maine, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, Nevada, New Jersey, New Mexico, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Oregon
Learn more about saving through Homepoint and Hippo Insurance.
Home equity line of credit
A home equity line of credit through a Homepoint HELOC is one way to get the most value out of your home. Homepoint customers have used HELOCs for many reasons, including consolidating debt, paying for a home renovation project, and making a major purchase.
Mobile app

Account management on the go with Homepoint's mobile app
We're making managing your home easier. All features available on the desktop version of the home ownership platform are now available on our mobile app. Get convenient access to:
- Manage your payments, bank account information and autopay
- View payment history and current interest rate
- Information regarding programs available to lower your monthly mortgage payment
Homepoint homeowner forms
Need a form to update permissions for your Homepoint loan? Visit our Homeowner Forms page.
Homeowner FormsQuestions?
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