Increasing Homeownership Accessibility

HomeReady Loan

Designed for creditworthy, low-to-moderate-income borrowers, HomeReady loans are geared toward increasing the accessibility of homeownership. This loan was created based on research showing today’s homeowners have changed and offers financing for homes in low-income and disaster-impacted communities. Our HomeReady loans at Treadstone allow us to lend with confidence while expanding access to credit and supporting sustainable homeownership.

If you’re looking to buy in a planned unit development, townhouse, condo, or single-family home, talk to us today and see if HomeReady is right for you.

  • As low as 3% down payment
  • Lower monthly mortgage insurance
  • Down payment can be a gift from acceptable sources and used for the down payment and closing costs
  • Homeownership education class is required to help buyers be ready to buy a home and be prepped for their new responsibilities (this course is easy to use and free!)

Down payment requirements, closing costs, and loan amounts are for illustrative purposes only; subject to credit qualification, not all applicants may qualify. Not a commitment to lend. Not affiliated with or endorsed by any government institution. Please contact us for an exact quote and for more information on fees and terms.

Treadstone Funding propelled by Neighborhood Loans NMLS 222982 “Illinois Residential Mortgage Licensee No. MB.6759826.  For licensing information, go to