First Time Home Buyer $0 DOWN MORTGAGE*

We can help you own it.

With no down payment requirement, low fees and closing costs, and a local expert to guide you – Advantis makes it easier and more affordable to buy your first home. Enjoy these exceptional benefits when you choose our First Time Homebuyer $0 Down Mortgage:
  • No down payment required (for qualified borrowers)
  • No mortgage insurance required – adding up to significant savings each month!
  • Lower fees and closing costs than most lenders
  • Guidance from a local mortgage expert to help you throughout the process
  • Available on our 5/1 Adjustable Rate Mortgage

5/1 Adjustable Rate Mortgage

Our First Time Homebuyer Program features a 5/1Adjustable Rate Mortgage (ARM). This loan offers a low fixed rate for the first five years - helping you save more during your early years of home ownership. After five years, you’ll enjoy built in rate protections - as the rate can adjust by no more than 2% per year and can never be higher than 5% above your initial starting rate.

Looking for another option?

Advantis offers a wide variety of mortgage options to fit the needs of most homebuyers – including fixed rate loans with flexible terms and as little as 5% down (for qualified borrowers).**

We’ll be your helpful guide – from here to “hello new home.”

Buying your first home can feel overwhelming – so we do everything possible to remove the stress and make it feel simple and easy. You’ll have the constant guidance of a mortgage expert – right here in Portland - helping you from application to keys in hand.

Get pre-approved before you shop.

Getting pre-approved before you shop is essential, so you can make a stronger offer when you find a home you want to buy. Get pre-approved today!

Get Started

Apply Online

Call 503-785-2528
Talk to a mortgage officer, Mon-Friday, 8am-6pm

Request a quote
First Time Home Buyer

*Advantis’ first time home buyer loan is only available for borrowers who have not owned real estate in the last three years and are intending to occupy the property as a primary residence. Property restrictions and other conditions apply. Contact a mortgage officer for details. For all dwelling-secured loans, hazard insurance is required, flood insurance may be required. All loans are subject to underwriting approval. **Mortgage insurance required on fixed rate loans over 80% loan to value.