ST MARY'S BANK CREDIT UNION

St. Mary's bank participates with a number of lender organizations offering homeownership programs that assists the under-served including; new hampshire housing- flex and preferred programs along with fha, usda-rd, including cash assistance programs, and fnma, home ready. St. Mary's bank also offers portfolio financing options and continues its "welcome home first-time homebuyer program and low to no down payment options.additionally st. Mary's welcome home program is designed to assist first time home buyers with the following features:-reduced interim rate cap -access to a full-range of online research tools-access to free homebuyer educationin addition to identifying lending opportunities for first-time homebuyers, we will also continue to focus on lending to income-eligible families. More specifically, lending to families whose household income is at or below 115% of the area median family income (defined and published by the department of housing and urban development).