Associated Bank · Bank
Associated Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Deposit and loan products are offered by Associated Bank, N.A. Loan products are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions of these products. Relevant insurance coverage, if applicable, will be required on collateral.
At a glance
- Property use
- Primary residence
- Credit requirement
- Must meet minimum credit score requirement.
- Reserves
- Reserve requirements may apply.
Still to confirm: Borrower type.
Our take: Pros & Cons
What we like
- Fixed, adjustable, jumbo, government, rural and construction financing options are listed.
- An online mortgage application and mortgage loan officers are available.
- HomeReady lists down payments as low as 3% for qualifying income and purchase areas, with homeownership education and primary-residence conditions.
What to consider
- The reviewed pages do not confirm SSN/ITIN, visa, foreign-credit or foreign-income acceptance. Confirm your specific program with the lender.
- Loan products are subject to credit approval, required collateral insurance and program-specific income, credit, property and documentation rules.
- Advertised examples are sample purchase quotes for a single-family primary residence with a 30-day lock. Borrower credit-score assumptions do not establish minimum program eligibility.
AI-generated lender-level assessment based on published information. Not a verified assessment of HomeReady® mortgage program; confirm program-specific conditions below.
Additional lender considerations
- VA financing for qualified armed-services veterans lists no down payment or mortgage insurance.
- CARE lists low down payments funded by gifts or grants, no mortgage insurance and flexible credit guidelines.
- PATH is an immediately forgiven grant for eligible primary-residence financing with an Associated Bank first mortgage; location and qualification determine the amount.
- The Green Home Initiative offers a conditional $150 mortgage credit; apply by December 31, 2026 and close by February 28, 2027.
- Interest rates, APR, payments and closing costs depend on the exact loan scenario and can change; request a personalized Loan Estimate.
- PATH excludes refinancing, requires an Associated Bank first mortgage and requires first-time homebuyers to complete homeownership education; other exclusions apply.
- The $150 offer requires qualified energy-efficient improvements and excludes some products, including lot loans and simultaneous seconds. One discount per mortgage; it cannot be combined with other mortgage discounts and may change without notice.
Newcomer requirements
HomeReady® mortgage program
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- Must meet minimum credit score requirement.
- Minimum down payment
- Down payment as low as 3% (borrower income and purchase area must qualify).
- Income documentation
- Online homeownership education course required.
- Reserves
- Reserve requirements may apply.
- Property restrictions
- Published conditions apply. Read the full lender requirements below before applying.
- Occupancy
- Primary residence
View full lender requirements
- Minimum credit score
- Must meet minimum credit score requirement.
- Minimum down payment
- Down payment as low as 3% (borrower income and purchase area must qualify).
- Income documentation
- Online homeownership education course required.
- Reserves
- Reserve requirements may apply.
- Property restrictions
- Property must be owner occupied. The maximum Loan to Value (LTV) of 97% applies to 1-unit purchase transactions only. Lower LTVs required for 1-unit limited cash out refinance (95%) and 2-unit (95%) and 3-4 unit (95%) transactions. No minimum contribution of funds only applies to 1-unit properties. Mortgage insurance and escrow for taxes and insurance is required on all loans with LTV greater than 80%. Must meet minimum credit score requirement. Reserve requirements may apply. (1534)
- Occupancy
- Primary residence
- Other conditions
- Property must be owner occupied. The maximum Loan to Value (LTV) of 97% applies to 1-unit purchase transactions only. Lower LTVs required for 1-unit limited cash out refinance (95%) and 2-unit (95%) and 3-4 unit (95%) transactions. No minimum contribution of funds only applies to 1-unit properties. Mortgage insurance and escrow for taxes and insurance is required on all loans with LTV greater than 80%. Must meet minimum credit score requirement. Reserve requirements may apply. (1534)
Questions to confirm with the lender (10)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Employment documentation
- Foreign income
- Foreign assets
- State restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
HomeReady® mortgage program
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
HomeReady® mortgage program
- Online homeownership education course required.
- Reserve requirements: Reserve requirements may apply.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Associated Bank offers fixed-rate, adjustable-rate, jumbo, FHA, VA, rural housing, construction and affordable mortgage options. HomeReady, CARE and PATH assistance are described on its official site. Its daily rate sheet publishes sample purchase quotes with separate borrower assumptions; newcomer eligibility and personalized terms require lender confirmation.
Legal lender: Associated Bank, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 442791
More lender directory information
Direct application information ↗
Deposit and loan products are offered by Associated Bank, N.A. Loan products are subject to credit approval and involve interest and other costs. Please ask about details on fees and terms and conditions of these products. Relevant insurance coverage, if applicable, will be required on collateral.
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 24, 2026
- Official lender source · Last checked Oct 28, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.