Overview

Homebuyers with modest incomes ^{note 1} and limited savings need not forget about the desire to own a home. Wachovia Mortgage works to help fulfill homeownership dreams.

Loans features.

• Flexible credit guidelines and qualifying
• No or low down payment options

Community Loans note 1	A favored choice if you:
Target Community Mortgage note 2	Would like to buy a home inside a low-and-moderate income area note 2 Want more favorable interest rates Have some funds saved for a down payment Have funds saved for the first month's mortgage payment
Wachovia Custom Community Mortgage note 3	Have limited funds saved for a down payment Have funds saved for at least the first month's mortgage payment Are interested in stable monthly payments Want a variety of down payment options to choose from

Start Moving with Wachovia Mortgage

• 24/7 First-time homebuyer best practices.
• Put us on your schedule. We'll call you when you are ready.
• Watch our rates. It's automatic, and free.
• You'll find that nearly 50 years of experience goes a long way.

FAQs

• What makes Wachovia Mortgage different than all of the others?
• I'm not sure I qualify for a Community Loan. What should I do?
• I don't have much saved for a down-payment, can I still buy a home?
• Are Community Loans available to first-time homebuyers?

What makes Wachovia Mortgage different than all of the others?

For starters, we specialize in providing service to you. You can get loan information from anywhere, but when you choose Wachovia Mortgage, you choose a lender with nearly 50 years of mortgage experience and trained mortgage specialists who can be scheduled at your convenience.

When it comes to online options, we didn't stop at research. You'll find the best of convenience features like live chat.

I'm not sure I qualify for a Community Loan. What should I do?

You can have us contact you by completing the form on the right, you can chat with us, or call us. If you want to keep looking first, go to our comparison chart to see our other mortgage programs.

I don't have much saved for a down-payment, can I still buy a home?

It is possible to buy a home with a small down-payment. Wachovia's Community Loans have multiple programs that may fit your needs. Call us at (800) 922-6267 to learn more.

Are Community Loans available to first-time homebuyers?

Yes. These loan programs work well for first-time buyers. They offer low down-payment options, and have flexible guidelines. If you want to do more research, visit our First-time homebuyer center, or our mortgage comparison chart.