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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.

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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:

Low down payment
Large loan volume
Flexible qualifying criteria


Fannie Mae® has adopted a new refinance option for loans to borrowers with incomes at or below 80% of area median income and you may be eligible to take advantage of this program. If your mortgage is owned or guaranteed by Fannie Mae, you may be eligible to refinance your mortgage under this refinance option.

You can determine whether your mortgage is owned by Fannie Mae by checking the following website: Fannie Mae Mortgage Loan Lookup.


  • Interest rate reduction of at least 50 basis points and a reduction in monthly payment of at least $50
  • Up to $500 appraisal fee credit for borrowers who are not eligible for an appraisal waiver
  • Fixed-Rate Mortgage options available with flexible year terms
  • Cash-out refinancing available
  • Minimum credit score of 620

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.


  • 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.


  • 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 620

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.


  • 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.


  • 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.

How To Find A Great Broker

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?

map of United States

Available states as of Jun. 2021: Alabama, Arizona, Arkansas, California, Connecticut, Colorado, Delaware, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Maine, Michigan, 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
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Homepoint homeowner forms

Need a form to update permissions for your Homepoint loan? Visit our Homeowner Forms page.

Homeowner Forms


Click the button below to find answers to our most frequently asked questions.

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*Homepoint is not a licensed agent and is making this service available from a trusted partner, Hippo Insurance Services (“Hippo”). Hippo is a general agent for affiliated and non-affiliated insurance companies. Hippo is licensed as a property casualty agency in all states in which products are offered. Coverage subject to underwriting qualifications. Not available in all jurisdictions. Any estimated premium savings are based on comparisons of state rates of Hippo’s prices to average industry prices. For more information and state license, visit .

2211 Old Earhart Road, Suite 250
Ann Arbor, MI 48105
Toll Free: (800) 686-2404
NMLS# 7706

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Equal Housing Lender

Home Point Financial Corporation d/b/a Homepoint. NMLS No.7706 (For licensing information, go to: Home Point Financial Corporation does not conduct business under the name, “Homepoint” in KY, LA, MD, NY, or WY. In these states, the company conducts business under the full legal name, Home Point Financial Corporation. 2211 Old Earhart Road, Suite 250, Ann Arbor, MI 48105. Toll-Free Tel: (888) 616-6866. For Licensing and Disclaimers visit

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.