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The Homeownership Opportunity Program (HOP) from FHLBank Indianapolis helps first-time homebuyers with assistance for down payment, closing costs and counseling costs.

Up to $20,000 per household may be requested! Funds are available on a first-come, first-served basis.
Northstar Bank works directly with first-time homebuyers to help meet the program requirements.

Qualifying households can receive up to $20,000 in assistance with a mortgage!

Program Requirements

  • First-time homebuyer at or below 80% area median income;
  • Purchase a single-family home, condominium, duplex, or modular unit,
  • contribute a minimum of $500 towards the purchase of the home;
  • complete a required homebuyer counseling course, HOP funds may be used to cover the cost of counseling;
  • Total monthly housing debt cannot exceed 40% of the total household gross monthly income.

Make the dream of homeownership a reality.

Mortgage Team


Diane M. Gibbard
Bad Axe Branch
NMLS 744108
Email | Apply now!

Charlene Maedel-Lomp
Fort Gratiot Branch
NMLS 744948
Email | Apply now!

Lori L. Schornack
Bad Axe Branch
NMLS 744109
Email | Apply now!

Ways to Apply

When you are ready to apply for a loan, Northstar Bank has quick and easy options:

  1. Online Application: Click the "Apply now!" link next to a member of our loan team
  2. Face-to-Face Appointment: Contact a member of our loan team
  3. Telephone Application: Contact a member of our loan team

Regardless of what option you choose, your application will receive personal attention, along with a quick turnaround time.

Rates + Terms

As a community bank, we offer low down payment options and flexible terms! Please contact your local mortgage lender to learn more about rates and terms. 

 Loans are subject to credit approval. 

Northstar Bank. Guiding the Way.

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