Self-Help 100 Benefits 0% down payment Borrower contributes 1-4% of purchase price towards closing costs No private mortgage insurance (PMI) Minimum credit score 620 Ready to get started? Our experienced home lending team is here to help. We'll talk with you to understand your home-buying goals and your financial picture. When you meet with your loan officer, it's helpful to bring the following items (for yourself and your spouse or co-borrower): Photo ID Tax returns (two most recent years) W2s (two most recent years) Pay stubs (two most recent pay cycles) Bank statements (two most recent months) Contact Us