Find the mortgage loan 1 option that meets your unique needs.
Explore our wide range of market-leading, competitive mortgage products that meet your unique needs. 1
Understand your financing options and find answers to basic questions about the homebuying process.
Review your refinance options and the benefits of refinancing your home to make the best decision for you and your family.
Match with an experienced Popular Home Lending Officer who will walk you through the mortgage loan application process.
Whether you’re hoping to make a family nest or safety net, home improvements or lasting memories, Popular Mortgage will help turn your plans into a clear path toward homeownership and greater savings.
Connect with a Popular Home Lending Officer to identify your mortgage loan options, navigate the homebuying process, and arrive at your new front door with keys in hand.
See a snapshot of the mortgage loan process to better visualize your path to homeownership.
Submit basic financial information and get an estimate on the loan amount available to you.
Identify the right financing option that meets your profile.
Experience an efficient application process and closing.
We offer a variety of mortgage loans with different features and flexible benefits to meet your needs.
Popular choice to fund your primary residence. Firm loan limits. Fixed- or adjustable-rate mortgage (ARM) option.
Best choice to fund a higher value residence or investment property. Exceeds loan limits. Stricter requirements. Fixed- or adjustable-rate mortgage (ARM) option.
Smart and attractive option for first-time or repeat homebuyers. Features low down payment and cancellable mortgage insurance. 2
Simple and accessible option with minimal upfront costs. Make a down payment as low as 3% and avoid private mortgage insurance fees. 3
Overcome barriers to homeownership or home refinance with a set of smart, simple, and accessible mortgage options. Choose a HomeReady ® or Popular Affordable Mortgage 3 and take advantage of competitive loan rates, low down payment options, and more.
Ask a Home Lending Officer if you’re eligible for grants or financial assistance to help lower the barrier to homeownership.
Are you a first-time homebuyer? Get a mortgage with a few simple steps.
Get pre-qualified.
Prepare your financial documents and position your application for pre-qualification.
Make an offer.
Evaluate your budget, research comparable prices, and identify repairs before making an offer.
Set up a home inspection.
Determine the home’s physical condition before seeking a final appraisal.
Finalize and close.
Complete the underwriting process, confirm loan approval, and sign all relevant documents.
To save time on your application, you can start assembling your documents and information ahead of time. Access our handy printable checklist to help you get started.
Whether you're purchasing a home or refinancing your existing mortgage, you're in capable hands with our experienced Home Lending Officers who will help guide you through the process. 1
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1 All loans are subject to credit review and approval. Rates, program terms and conditions vary by state and are subject to change without notice.
2 The HomeReady® Program is a registered trademark of Fannie Mae. Fannie Mae is not affiliated with Popular Bank. Additional program details are available on the Fannie Mae website. Borrowers must meet HomeReady® eligibility and qualification requirements, and receive loan approval. Borrower income must be less than 80% of area meridian income (AMI) as defined by Fannie Mae. A 3% down payment and mortgage insurance are required. First-time homebuyers will need to complete a homebuyer education course. The HomeReady Program is also available for refinances.
3 The Popular Affordable Mortgage is only available for the purchase of a primary residence property located within the Popular Bank assessment area. Income limits apply and a homebuyer education course is required. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
4 Borrowers must meet Federal Home Loan Bank Homebuyer Dream and/or Homebuyer Dream Plus eligibility and qualification requirements. Subject property must be in a Popular Bank defined assessment area. The household must meet the income guidelines set forth in the Homebuyer Dream guidelines with a total household income of 80% or below of the area median income for the county in which the home being purchased is located, adjusted for household size.
5 The HomeFirst Down Payment Assistance Program details are available at NYC Department of Housing Preservation and Development website. Borrowers must meet HomeFirst eligibility and qualification requirements. Borrowers must be a first-time homebuyer and complete a homebuyer education course. Borrower income must be less than 80% of area median income (AMI) as determined by the U.S. Department of Housing and Urban Development (HUD). A 3% down payment is required. Neighborhood Housing Services of New York City, Inc. (NHSNYC) administers the New York City Department of Housing Preservation and Development’s HomeFirst Downpayment Assistance Program.
6 The Loan Origination Fee Waiver is a waiver of the Bank’s otherwise standard origination fee and is only available on agency products and portfolio products to agency limits for residential mortgage loans (purchases and refinances) in which the property is an owner-occupied primary residence (1-4 family, a condominium, or a cooperative property type), located in Popular Bank’s assessment area, and located within a majority minority census tract (“MMCT”). Other restrictions and limitations may apply.
NMLS ID # 417584
Popular Bank, PO Box 4503, Oak Park, IL 60303-4503.
Customer Service Phone: 1-888-500-2612
For New York Borrowers: Popular Bank is regulated by the New York Department of Financial Services (NYDFS). To file a complaint contact New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at www.dfs.ny.gov. Popular Bank may utilize third party service providers to service your loan but remains responsible for all actions taken by the third party.
For more information regarding fees for mortgages and home equities serviced by Popular Bank, please see our Residential Mortgage and Home Equity Product Servicing Fees here. Does not apply to mortgages serviced by Popular Mortgage Services. For information regarding fees for Popular Mortgage Services accounts, please sign in to your account.
NYC Residents: Popular Bank provides language access services in Spanish. Please note that Popular Bank has customer service options to speak with an agent in Spanish. Popular Bank’s language access services are limited to verbal communications with an agent in Spanish. Popular Bank does NOT provide any other language access services in Spanish (or any other language) and, specifically, does not provide translations of any documents in Spanish (or any other language).
A translation and description of commonly-used debt collection terms is available in multiple languages on the NY Department of Consumer Affair’s website, www.nyc.gov/dca
Please never share your Popular account details with anyone. Popular will never ask you for your password through email, social media or a third-party website. Learn more.
