Explore our first-time homebuyer programs, grants and loans:
Features
Smart loan features to make homeownership easier
Rates
Finance your home with a rate that works best for you
| Term | Rate | Points | APR | *Payment Example |
|---|---|---|---|---|
| Purchase: 30-Year Fixed Conventional $806500 or less | 6.500% | 0.00% | 6.537% | $5097.71 |
| Purchase: 30-Year Fixed Conventional $150000 or less | 6.250% | 0.00% | 6.343% | $ 923.58 |
| Purchase: 20-Year Fixed Conventional | 6.125% | 0.00% | 6.248% | $1085.49 |
| Purchase: 15-Year Fixed Conventional | 5.625% | 0.00% | 5.738% | $1235.60 |
| Rates are effective as of 06/18/2025. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change at any time. *Payment example does not include taxes and insurance premium(s). Actual payment obligation can be greater. The APR is based on $150,000 loan amount, unless otherwise noted. Rate quotes reflect 30 day rate lock and expire at 3pm Central Time daily. Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 760 and 75% loan to value (ltv). A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $806500 for a single-family home in most states. |
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Loan options
Find the right fit for your home, budget and goals
Lock in your interest rate for the life of the loan, with predictable monthly payments and a variety of term options to match your long-term plans.
Start with a lower interest rate to keep upfront costs down. The goal is to buy yourself time to refinance into a better fixed-rate loan later. See how it works.
If you’re eligible, you could buy a home without a down payment, helping you save money at closing. This option’s only available with adjustable-rate mortgages.
This two-loan option helps you avoid paying private mortgage insurance—an extra monthly cost required if your down payment is less than 20%. You pair a primary mortgage with a smaller second loan. Learn more about how these loans work here.
If you’re a licensed medical professional—like a doctor, dentist, pharmacist, veterinarian or optometrist—you might qualify for a loan that excludes student debt from your application. Connect with a lender to learn more!
Through a partnership, Dupaco can connect you with financing through government programs like the United States Department of Agriculture (USDA) financing, Veterans Affairs Home Loans and Federal Housing Administration (FHA) loans.
Buying and selling at the same time? A bridge loan gives you some breathing room, helping you buy your next home while you wait for your current one to sell.
A Dupaco construction loan gives you the flexibility you need as you manage all the things that come with building a house.
Looking to buy land or use your lot as collateral? This adjustable-rate lot loan helps you purchase a lot or use your land for future financing.
Buying to rent or flip? Choose from fixed- or adjustable-rate options based on your investment strategy and timeline.
Learning center
Your homebuying toolkit
Whether you’re buying your first home or looking for your next, here are some of our favorite guides to help you every step of the way.
- Mortgage payment
Principal, interest, insurance and more… We’ll break it all down here. - Rent vs. buy
Compare the costs of renting vs. buying your next home. - Home affordability
Find out how much home you can afford. - Loan term comparison
See how your loan term, interest rate and more impact your overall costs. - Home refinance
Calculate whether it makes sense to refinance your home loan.
