Slack Builder Home Loan

Buying a home is a significant milestone but the expenses, especially the down payment, can be a barrier for many. That's why we're here to help with our 100% financing option for your home purchase. We prioritize your financial health so there's no need for private mortgage insurance (PMI) with this loan. Instead of paying PMI, those funds are applied to your principal balance, helping you build equity faster.
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Quick Facts

What sets our Slack Builder Home Loan apart

The Slack Builder Home Loan was created to remove common barriers that add stress at the very start of the home-buying journey. Unlike many traditional home loans, this option is designed to support financial health from day one by eliminating the need for a down payment and private mortgage insurance. It’s a people-first approach to mortgage lending that helps more individuals and families pursue homeownership without taking on unnecessary financial strain.

  • No down payment required
  • No PMI required
  • Not limited to first-time homebuyers
  • Convenient online application process
  • Available in Texas, Louisiana, Colorado and North Carolina
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Homeownership

Home loans calculators and resources

The homebuying process can be complex.  Check out these calculators and homeownership resources to help you navigate the process. For more information and personal guidance, contact one of our home loans advisors at 844-468-9369.

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Keep your savings in your pocket and build equity quickly

Buying a home without a down payment or PMI allows each payment to go directly to your loan balance, helping you build equity right away. The result is greater financial flexibility early on and strong stability over time. Learn more ways you can build financial health over time in our resource center.
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Start your Slack Builder Home Loan application

If you’re looking for a home loan that helps you build equity faster with no down payment, start your application with Credit Human today.
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Home loan purchase rates

Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
Up to 15 years 5.95% $50,000 $832,750 6.09%
30 years 6.45% $50,000 $832,750 6.53%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.