Many homebuyers are surprised to learn there may be programs available to help reduce upfront expenses. Low down payment solutions, down payment assistance grants, and a $250 closing cost credit are options that may help make buying a home more affordable.

Whether you’re buying your first home or exploring your financing opportunities, First Mid is here to help you navigate your options with guidance you can trust.
 

Affordable Home Financing Options

Programs Designed to Help You Buy a Home
Buying a home may feel overwhelming, especially when thinking about down payments and closing costs. First Mid offers mortgage solutions designed to help make homeownership more accessible.

Programs & Personalized Support for Homebuyers:
  • Low down payment mortgage options 
  • Down payment assistance (DPP) grants 
  • A $250 closing cost credit* 
  • Personalized guidance from a local, Rockford-area mortgage expert 
  • Support in English and Spanish** 
 

Work With a Local Lender

picture of Lloanna ReyesMeet Lloanna Reyes, NMLS #1510806
As a bilingual Loan Officer serving Rockford, Illinois, Lloanna Reyes is dedicated to guiding individuals and families through affordable home financing options.
 
 
 
 
 
 
Lloanna can help you:
  • Understand available loan programs
  • Learn about down payment assistance opportunities
  • Navigate the mortgage process step-by-step
  • Get answers in English or Spanish
 
Don’t assume homeownership is out of reach before exploring your options. Connect with Lloanna today to learn more about available mortgage programs, down payment assistance opportunities, and support designed to help you move forward confidently.
*Offer available in select areas and limited to single-family owner-occupied residences located within eligible Low-to-Moderate Income (LMI) and Majority Minority (MM) census tracts within First Mid’s lending area.  Coupon must be presented at application to receive $250 closing cost credit.  Credit will be applied at closing.  Subject to credit approval.  Offer subject to available funding and may be withdrawn or modified without notice. Closing cost credit expires 12/31/26.

**First Mid Bank & Trust, N.A. does not provide account applications, disclosures, statements, or any other account documents in any language other than English.