QNB Housing Opportunity Program

QNB's mortgage program for individuals with low-to-moderate income*

young couple with moving boxes in home

QNB is here to help.

Our Housing Opportunity Program is designed to help low-to-moderate income individuals with flexible financing options to make obtaining a mortgage more accessible. Different from other conventional mortgages, the program offers more lenient credit and income guidelines with no down payment and no origination fee.

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Our mortgage officers are experts in helping homebuyers. To get started, request a callback using the button below.

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Household Eligibility

  • Household income must be 80% or less of the area median income*
  • Credit score of 600 or greater
  • Debt-to-income ratio of 48% maximum
  • Property purchased must be borrower's primary residence
  • Complete a home buyer counseling course through an approved counseling agency

Program Features

  • No origination fee
  • No down payment required
  • 100% financing based on appraised value or purchase price, whichever is less
  • 30-year fixed** or 30-year adjustable-rate*** mortgage terms
  • Maximum loan amount of $300,000
  • QNB interest rates available upon request
  • Escrow of taxes and insurance
  • Two months mortgage payments in reserve savings
  • Closing costs may come from your savings or documented gifted or grant funds

Getting Started

Our mortgage officers are here to help homebuyers fulfill their dreams. To learn more, contact us today!

Maria Friendshuh portrait

Maria Friendshuh
AVP/Mortgage Loan Officer
215-538-5600 x5767
NMLS #481432

Brian Adzema portrait

Brian Adzema
AVP/Retail Mortgage Loan Officer
215-538-5600 x5638
NMLS #1224755


*Bucks and Montgomery County low-to-moderate annual income threshold is $84,320. Lehigh County threshold is $72,480. Median income source: HUD Median Family Income Documentation System information is available at https://www.huduser.gov. Program not affiliated with any of the government/state agencies.
**30-year fixed interest rate: The monthly payment per $100,000 borrowed at an Annual Percentage Rate (APR) of 6.750% for 360 months would be $648.60. Payment example does not include taxes and insurance, total payments will be higher. APR is fixed and will not change for the life of the loan. No balloon payments required.
***30-year adjustable-rate mortgage (ARM) loans are variable rate loans with an initial fixed-rate period for the first 5, 7, or 10 years. Rates and payments may increase during the life of the loan. For example: For a $100,000 loan amount with a 30-year term at an interest rate of 6.000%, APR of 6.487%, would result in an initial estimated monthly payment of $599.55 for the first 10 years, and for years 11-30 monthly payments would be $656.97 (based on the current Index plus Margin). After the 10-year initial period, the variable interest rate and payment will adjust every year and equal the total of the current CMT 1-Year Treasury index (5.06% as of March 03, 2023) plus a margin of 2.25%; rounded to the nearest 0.125%. The maximum periodic change in the interest rate is 2.00% with a maximum rate increase of 5.00% above the initial interest rate.
Property insurance is, and flood insurance may be, required. This program may be discontinued at QNB’s discretion. All loans are subject to credit approval.
NMLS #781724