Ready to own a home?
Today could be one of the most exciting days of your life: the day you decide to own your own home. Take the first step by meeting with a Regions lending specialist now.
Apply online or call 1-877-536-3286
Talk with a Regions lending specialist in your area and take your next step toward owning a home
Dream Home. 0% Down.
Buying your first home? Become a homeowner for as little as 0% down.
If you’re ready to own a home, Regions can help you get there.
*Geographic and income limitations apply. All loans subject to credit approval.
We've Got You Covered
With over 550 mortgage loan officers in 15 states, we're part of the same community as you. That's why we take the time to understand your unique situation before helping you decide which mortgage loan would be right for you.
It's the right way to start a lending relationship. And the right way is the only way we know.
Make a Smart Move
These tips and calculators can help you get the most out of your money.
A Few Things We Look at When Finding the Right Loan for You
Debt-to-Income Ratio
The sum of all your monthly debt payments divided by your gross monthly income. Here we look at your current financial obligations. This can include things like: car loans, credit card bills, child support, condominium fees, and student loans.
Housing-Cost-to-Income Ratio
The sum of your housing-related expenses divided by your gross monthly income. This shows us the percentage of your total income that would go toward housing - including your entire mortgage payment, real estate taxes, and homeowners insurance.
Loan-to-Value Ratio
The value of your home divided by the amount you owe on any loan secured by your home. This shows how much of your house is being financed. For example, if your house is worth $100,000 and you are financing $25,000 of it, your loan-to-value ratio would be 25%. Lower LTV ratios carry lower risk, and therefore may have lower rates.
