Dreaming about buying a home?

Now that dream can come true. 


Buy your first home with our Home Start Loan program and enjoy the benefits, savings, plus satisfaction of being a home owner!*

The Home Start Loan program assists first-time buyers achieve their home ownership goals.

You'll get savings such as:

  • 0% down
  • Up to $1,000 toward closing costs
  • 100% financing
  • 30 year fixed home loan
  • No PMI
  • Quick closings

The process is easy. Just click on the application link to get started and we will assist you all the way to closing. 

Start My Application Online

We even have a Facebook page for first-time buyers just like you.

Click here Facebook Square icon and get information on home ownership and more. 

* This program was created to help low to moderate income individuals with financing a single family home in the Bank’s service area. Funds available for lending in this program are limited. An example transaction would be $100,000 borrowed, no down payment, 359 monthly payments of $435.21 and a final balloon payment of $432.89, with a fixed simple interest rate of 3.25% and an Annual Percentage Rate of 3.37% and approximate closing costs of $3,398. Amount shown for closing costs includes a $1,000 credit from ChoiceOne Bank. Example rate is in effect as of 4-27-2021, contact your lender for current rate and APR. Subject to credit approval. Equal Housing Lender. Member FDIC.