If you're in the market for your first home, or even just considering it, now is the best time to buy. Historic low rates and attractive home prices, along with our great first-time homebuyer programs can all help you get your first home. Not to mention, we’re the only bank to be voted “Best Mortgage Lender” three years in a row by the Winston-Salem Journal.

Our home-loan specialists help walk you through the process and answer all your questions. Even better, we’re here for you over the entire life of your loan. So, you can always visit your local Piedmont Federal office to ask us about your loan and your home.

Ready to start looking for that first home? The first step is to give us a call. We have two unique programs for first-time homebuyers:

• First-Time Homebuyers Program - Piedmont Federal strives to make home-ownership as easy and affordable as possible for qualified, credit approved first-time homebuyers. With no loan origination fee, appraisal fee, credit report fee, or flood certification fee, you’ll get to hold on to more of your hard earned cash. Plus, there’s no PMI insurance on loans with loan-to-value up to 90% and a minimum credit score of 700. (Loans over 90% up to a maximum of 95% will require private mortgage insurance and a minimum credit score of 700).
  
  
• Piedmont Affordable Loan (PAL) – For first-time buyers with a total family income of $44,800 or less, looking to purchase a home in Forsyth, Davie, Davidson, Stokes and Yadkin counties, the Piedmont Affordable Loan (PAL) can help assist you in getting into that first home by reducing the down-payment amount and eliminating the origination fee, appraisal fee, credit report fee, and flood certification fee.

You might also look into our other mortgage products.