Home Ownership Made Easier (HOME)

Helping individuals achieve homeownership

At BBVA Compass, we believe smart mortgage lending helps build strong neighborhoods and communities. That’s why we’re committed to investing in communities and helping more people achieve the dream of homeownership through our Home Ownership Made Easier (HOME) mortgages.

  • Up to 100% Loan-to-Value1  (No Down Payment Required)
  • BBVA Compass may pay certain closing fees, up to $4,500
  • No requirement for Private Mortgage Insurance (PMI)
  • Borrowers may use Seller Contributions, Gift Funds from relatives, and BBVA Compass approved Down Payment Assistance (DPA) Programs to help qualify
  • Income limits apply unless the property is located in a low or moderate income census tract
  • Homeownership education to help you enjoy long-term, sustainable homeownership

Visit or give us a call today to learn more about HOME and how to qualify. We're ready to help you get started achieving your brighter future by realizing the dream of homeownership. 

1 Requires a $500 contribution toward the transaction from the borrower’s own funds. 

Looking for another option?

Choose from these other mortgage types that might work for you.

Fixed-Rate Mortgages

Looking for stable monthly payments? With a Fixed-Rate Mortgage, the interest rate on your mortgage loan remains the same for its entire term.

Learn More

Adjustable-Rate Mortgages

Most adjustable-rate mortgage (ARM) loans feature an initial fixed-rate period, with interest rates adjusting once per year after the fixed-rate term expires. 

Learn More

Jumbo Loans

If you’re buying a home with a higher property value and can manage larger monthly mortgage payments, a jumbo loan may be a good choice for you.

Learn More

Professional Loans

If you are a medical resident, practicing physician, attorney, oral surgeon, dentist or CPA, a Professional mortgage loan can help you achieve financial flexibility.

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Government Loan Programs

If you are looking to apply for a mortgage or to refinance, you may be eligible for a FHA, VA, or USDA loan.

Learn More

Construction Permanent Loans

A Construction Permanent Loan makes new home financing simple. There's just one loan application and one closing. 

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Lot Loans

Building your dream home starts with finding the perfect location. With so many considerations to make in preparing to build, let us take care of the lot financing. 

Learn More

Renovation Permanent Loans

Kitchen remodel, attic conversion, basement finishing, or bedroom add-on—major renovations can add serious value to your home.


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Foreign National Mortgage

BBVA Compass welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase, refinance, build, or renovate a home in the United States.  

Learn More

Home Equity Loans and Lines of Credit

Your home is often your largest asset — make your home’s equity work for you with a BBVA Compass Home Equity Loan or Line of Credit. 

Learn More

BBVA Compass Mortgage Contact Us

Please complete this inquiry form, and a Mortgage Specialist at BBVA Compass will contact you within 1 business day. There is no obligation on consultation for any of your home financing needs.


Property Information


By clicking “Submit” you are authorizing BBVA Compass to contact you by preferred method of contact you entered. Loans subject to program eligibility, collateral, underwriting and approval, including credit approval.


Details you need to make a smart decision

 Program applies to first lien residential mortgage loans to purchase or refinance a primary residence in AL, AZ, CA, CO, FL, NM, & TX. For properties located outside of LMI census tracts (to determine see: 
http:// www.ffiec.gov/Geocode/default.asp)  income restrictions apply.

Maximum Loan-to-Value is less for loans on condominiums and for certain other transactions. Talk with a BBVA Compass mortgage expert for details.

To qualify for a lender credit to off-set a portion of the closing costs, the loan must meet certain eligibility requirements and close. Those eligibility requirements include, but are not limited to (1) the property must either be located in a Low or Moderate income census tract (https://www.ffiec.gov/geocode/), or (2) the income for applicants on the loan must be less than 80% of the FFIEC median family income. Lender credit not to exceed $4,500 will be applied to off-set a portion of the closing costs at the time of closing, after final underwriting and product eligibility has been confirmed. The lender credit granted by the Bank cannot be used to off-set fees that are already designated to be paid by the seller or other party in accordance with the sales contract and cannot be used to off-set pre-paid items such as insurance premiums, taxes, other escrow set-up items, pre-paid interest or to pay discount points. Examples of fees that may be off-set by the lender credit include 4506-T fee, underwriting fee, processing fee, tax service fee, flood certification fee, appraisal fee, credit report fee, lender’s title policy, county recording fees, pest, survey and others although never to exceed a total amount of $4,500. Consumer may receive cash back resulting from the lender credit only for items paid outside of closing (POC), for example, the appraisal and credit report fees. Discount points and pre-paid items can be paid by the seller or other third party up to the amount allowed by the product guidelines.

Collateral / Loan Terms: Loans subject to program eligibility, collateral and underwriting requirements. All Borrowers and / or Properties eligible for the HOME Product are eligible for the up to $4,500 bank-paid closing costs promotion. Property insurance is required, including flood insurance where applicable. Maximum loan limits and minimum equity down payment requirements apply.