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HOPE makes it happen with affordable home loan options.1
With tailored home loan solutions, down payment assistance, and special programs for first-time buyers, Hope Credit Union makes homeownership happen across the Deep South. Whether you’re buying a home or refinancing an existing mortgage, our lending professionals are ready to help you, too, regardless of your income or credit. We’ll work closely with you to get to know your financial situation and find the mortgage that’s right for you and your budget.
Buy your first or next home with a HOPE mortgage. We offer affordable terms and you may qualify for 100% financing with no down payment. Our team can also connect you to down payment assistance programs.
Lower your monthly mortgage payment and pay less for your home in the long run when you refinance your mortgage with HOPE’s low-rate options.
Brighter futures begin with HOPE: We make it easy to start yours.
Connect with one of our experts at your nearest location and complete an application with a representative.
Our friendly mortgage originators are ready to assist you with your loan application.
There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.
Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.
With a HOPE loan, you may be able to buy a home with no money down, or as little as 3% down for loans of more than $250,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.
There’s more to you than your credit score. We offer special loans for those with lower credit scores and limited income.
With a HOPE loan, you may be able to buy a home with no money down, or as little as 3% down for loans of more than $250,000. Borrowers may qualify for down payment assistance based on the availability and qualifications of programs in specific locations.
Buying a home is expensive enough. We work to keep fees and costs low to save you money on any home purchase or refinance loan.
Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.
The power of HOPE enables our members to bank better and live better. See how we’ve empowered their financial success—and how we can help you too.
Apply for HOPE home loan by filling out an application or visiting a mortgage lending office.
When applying for a home loan like a mortgage, you will need:
If you’re looking to refinance your home, you’ll need to provide information about your current mortgage and property details, like when it was built and its appraised value.
With Hope Credit Union, you’ll find a partner ready to guide you through the application process every step of the way. Our lending professionals help members just like you with applications every day to make homeowner goals a reality.
Once your loan application and all related documents are submitted to HOPE’s lending team, you’ll receive a decision on your loan within 48 hours after final review.
Generally, your mortgage payments shouldn’t exceed 28% of your monthly income. Still, there are a lot of factors to consider when determining “how much home” you can afford, including property taxes, existing debts, savings, and your other monthly expenses.
At Hope Credit Union, our lending professionals work closely with you to understand your unique financial situation and establish a homebuying budget. We offer a wide range of mortgages, including down-payment assistance programs and other loans designed for low- to moderate-income families—all to make homeownership possible for the members we serve.
Your first payment is due 30 to 60 days after you receive your loan. You can find your payment due date on your closing documents and your monthly statement.
400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803
3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111
4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424
8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027
1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447
1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691
1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475
188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387
140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406
546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744
120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054
350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975
1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780
16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614
917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005
134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070
109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468
106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137
470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886
1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501
3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518
1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133
2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872
Disclaimers
1All loans subject to credit approval.
2Rates effective as of 4/19/24 and subject to change. A 30-year HOPE Affordable Home Program mortgage of $150,000 with an interest rate of 6.875% (6.69% Annual Percentage Rate or “APR”) and a down payment of $0 would have a monthly payment of $1285.39 This example includes monthly taxes of $150 and insurance premiums of $150. Actual rates and APRs and will vary based on a variety of factors, including credit history and score, loan amount, loan-to-value ratio, property and occupancy type, tax and insurance payments, closing costs, and other factors.
3Wireless carrier data and message rates may apply.
