Barnaby IChoose Home LoanFirst Steps, First Home Bundle

When you consider buying your first home, it can bring up a lot of questions; beginning with “where do I start?” Your first step – contact us at INB to discuss your options and what you are prequalified for. From initial discussion to closing – we have your back. Our mortgage team is here to help you from start to finish! INB has the tools to get you in your first home faster with our First Home Bundle account. 

Step 1: Home buying consultation and pre-qualification*

  • Start your discussion and pre-qualification application with an INB Mortgage Lender

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Get prequalified

Step 2: Save for your new home by opening our First Time Homebuyer Structured Savings Account** - 5.00% Annual Percentage Yield (APY) Intro Rate for 12 months.

  • $50 minimum opening deposit
  • Periodic automatic transfer into this account is required (From any account, anywhere)**
  • If you’re an INB checking account customer – consider taking part in our Pocket Change program***, we’ll also match your Pocket Change transfers to your First Time Homebuyer Structured Savings Account, up to $100, for the first 90 days of opening of the Savings Account. This will help you save even more!

Step 3: Hit your goal and purchase your home!

  • Enjoy a $200 closing cost credit on your new INB Home Loan, our gift to you for the big accomplishment!

* To Qualify for special rate and bundle offer: This bundle is available for first-time homebuyers (anyone who has not had homeownership in the last three years) with an INB mortgage pre-qualification application for a primary residence on file no more than 90 days prior to 6/1/2023.

**Minimum opening deposit requirement of $50 for First Time Homebuyer Structured Savings Account.  5.00% Annual Percentage Yield (APY) intro rate for the first 12 months after account opening. After the intro period, the APY, stated as of 05.01.23, for First Time Homebuyer Structured Savings Account of 0.20% would apply.  Rate and APY may change at any time. Fees may reduce earnings. A weekly, bi-weekly, or monthly automatic transfer into the savings account is required. A $10.00 withdrawal fee would apply if you make more than two withdrawals (including transfers) in a month.

*** We will round up your INB VISA debit card purchases based on your enrollment choice and transfer the difference from your checking account to your First Time Homebuyer Structured Savings Account. We will match 100% of your Pocket Change transfers for the first 90 days of enrollment, up to $100. Matching funds will be paid at the end of the 90-day period on accounts that remain open and enrolled. All INB personal checking accounts are eligible. Please see our Rate Chart for additional information. Rates may change at any time. We may cancel or modify the Pocket Change service or any matching promotional offers at any time without prior notice. Matching funds will be reported to the IRS on Form 1099.