Get a lower, optimal rate with INHP’s Rate Optimizer loan program

Is a lower fixed-interest rate mortgage more optimal than a more expensive one? Yes, of course! This is why INHP created the Rate Optimizer loan program for 30-year mortgages – to optimize the interest rate and provide you with one of the most affordable mortgages possible. 

For first-time homebuyers and income-eligible families, the lower interest rate with INHP’s Rate Optimizer helps decrease monthly payment costs, increase home buying power and can save you thousands throughout the life of the loan.  

Because INHP bases our interest rate on a different system than most lenders, the Rate Optimizer’s fixed-interest rate may be up to 2% lower than traditional mortgage programs.* Plus, you can finance 100% of the home purchase price. 

Rate reduction depends on household income and other eligibility requirements, including:  

• Must be a first-time homebuyer or buying a home in a low- or moderate-income census tract 

• Must be primary residence in Marion County   

• Minimum 580 credit score (if below 680, a positive rental history required) 

• $500 minimum required cash investment 

• Household income cannot exceed 120% AMI  

Interested in the Rate Optimizer loan program? Click here to learn more and see if you qualify.  

*Example: Estimated loan terms of a traditional mortgage compared to a Rate Optimizer mortgage. Based on a $175,000 Purchase Price: 

• Traditional mortgage: $169,750 Loan Amount (or 3% down), 6.750% interest rate (6.955% APR), 640 credit score, $1,101.00 monthly principal and interest payment for 360 months.  
• Rate Optimizer mortgage for first-time homebuyers with 580 credit score and below 80% AMI: $175,000 Loan Amount (or 0% down), 4.750% interest rate (4.926% APR), and $912.88 monthly principal and interest payment for 360 months.  
• Rate Optimizer for borrowers with 80% AMI or greater and 580 credit score: $175,000 Loan Amount (or 0% down), 5.750% interest rate (5.937% APR), $1021.55 monthly principal and interest payment for 360 months. 

Income and eligibility restrictions apply. Rates and availability subject to change without notice.