Harris

Personal Financial Services

Affordable Mortgage Programs

Harris offers a wide variety of affordable mortgage programs designed to help individuals and families purchase homes of their own.

Home Possible^SM Mortgages
Flexible credit terms and reduced or no down payment requirements enable Harris to say "YES" to more home buyers with our special Home Possible program through Freddie Mac.

Home Possible mortgages offer:

	•	More buying power for those with low or moderate incomes
	•	Low or no down payments
	•	Flexible credit requirements, especially if you have less-than-perfect credit
	•	Easier application and approval process

Whether you are a first-time homebuyer, move-up borrower, retiree, or other, this mortgage lending program may be right for you. Home Possible also offers even greater flexibility for public service employees, such as teachers, law enforcement personnel and licensed healthcare workers.

Harris Neighborhood Commitment^SM
100% financing with no private mortgage insurance (PMI) required and minimum borrower contribution of only $500 are key benefits of the Harris Neighborhood Commitment Program. Harris Neighborhood Commitment is available on 30 year fixed rate mortgages for single family residences, condos and town homes.

Harris HomeBuyer Advantage^SM**
The Harris HomeBuyer Advantage requires down payments as low as 3% which can come from a gift or a grant for purchase or rate term refinances. There are flexible underwriting standards and no application deposits. Single family, two-unit, condos and townhomes are eligible.

Harris HomeBuyer Advantage is offered on a 30 year fixed rate basis at our regular interest rate for a 30 year fixed loan. Harris HomeBuyer Advantage is also available on 5/1, 7/1, 10/1 ARMs.

Housing Grant Programs
Harris provides special grant programs for borrowers with low to moderate incomes. The Harris Affordable Housing Grant programs can provide financial assistance with your closing costs or down payment. Additionally, many local and state governmental agencies offer grants or financial assistance that can be used with a Harris affordable mortgage program. Our Mortgage Specialists can help determine if you are eligible for a grant program.

Illinois Housing Development Authority (IHDA) Loans

1st Time Homebuyers Seminars
To explore your mortgage options more extensively and understand the home buying process, enroll in a 1st Time Homebuyers Seminar. Our experienced Mortgage Specialists will walk you through the entire home buying process from start to finish, including which type of mortgage may be right for you.

For the locations and times of upcoming Homebuyers Seminars, or to reserve your place, call 1-877-HUBERT-3 (1-877-482-3783).

A Harris Mortgage Specialist will be happy to assist you in determining which type of mortgage loan and options are right for you. For a personal consultation, or to find a Harris Mortgage Specialist near you, click here or call 1-888-HUBERT-1 (1-888-482-3781).

* Income limitations and/or other qualifying restrictions may apply.
** During certain promotional periods, you may be eligible for certain rate or fee discounts or other benefits of our Affordable Mortgage Programs, if you qualify.

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Brokerage products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC , SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris N.A. and its banking subsidiaries. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.

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