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Low Down Payment Mortgage

Let us help you find the best home loan to fit your needs. F&M offers the following resources to help low- to moderate-income borrowers:

  • Down payments as low as 3%3
  • Great low rates
  • $500 off closing costs1
  • Free Purchase Ready Pre-Qualification Letter2
  • HomeReady® and Home Possible® loan programs3
  • A local lender to guide you through the process 

F&M also offers home ownership education seminars at our local branches.  Join us for FREE expert insight on "How to purchase real estate in the current market."  Click here for more information and seminar dates.

Contact one of F&M’s home loan consultants at (866) 649-3863 to learn more today.


Terms and conditions are subject to change without prior notice. All loans are subject to credit approval. If down payment is less than 20%, mortgage insurance is required. NMLS # 537388.

1. $500 off Closing Costs offer is valid for applications submitted for first lien purchase transactions of primary residences or second homes (1 to 4 family dwelling) that close by 12/31/2020. Properties must be located in California with fee simple ownership. This offer excludes Home Equity Line of Credits (HELOCs). The $500 off Closing Costs will be applied at the time of loan closing as a Lender Credit. F&M reserves the right to cancel or modify the $500 off Closing Costs offer without prior notice.

2. Subject to income and credit limitations.

3. Subject to program eligibility requirements, including income limits and property location. If down payment is less than 20%, mortgage insurance is required.  HomeReady is a trademark of Fannie Mae.  Home Possible is a trademark of Freddie Mac.

Copyright © 2020 F&M Home Loan Center
12515 Seal Beach Blvd, Seal Beach, CA 90740
Toll Free: (866) 649-3863
Farmers & Merchants Bank. NMLS #537388
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