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Why TruWest

Perfect for First-Time Home Buyers

Conventional Loans

Saving a down payment for a new home can be challenging. Our conventional 3% down mortgage program offers an alternative financing option that features a lower down payment. With as little as 3% down and a lower mortgage insurance, your dream of owning a home is just around the corner.

  • Fixed-interest rate
  • Gift funds can be used toward down payment
  • Great for first-time home buyers
  • Flexible financing option for less than perfect credit score

Private Mortgage Insurance (PMI) is required for this loan

Have questions? You can talk to a mortgage loan originator at (855) 841-9203


Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

How to Apply for a Conventional 3% Down Mortgage

  1. 1
    Apply online or by phone at (855) 841-9203.
  2. 2
    Applications with complete information will be processed and disclosed within 3 business days. A licensed TruWest Mortgage Loan Originator may contact you if additional information is needed.
  3. 3
    Once the application process has started, the origination process will begin. Origination times may vary based on transaction, but normally take 30-45 days.
  4. 4
    Once the loan has passed underwriting, a TruWest representative will contact you to arrange a closing appointment.

Note: A TruWest membership should be opened prior to loan approval but can be opened any time before loan disbursement (funding)


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly

On approved credit. Financing solutions not available in AK, HI, LA, SC, VT, and WI. Condominium financing not available in NY and with restrictions in certain areas in FL. Restrictions may apply based on mortgage product.

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