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Overview
Meet the team
Home loan options
Real Estate Center
Working together

Together we help communities grow

Whether you're a real estate agent, a real estate broker or a builder, we're here to provide personalized support for you and your buyers. With your experience and our tools and resources, we can help bring buyers home.

Experience the benefits of working with Bank of America

Our team is here for you and your buyers with dedicated lending specialists, access to data and insights about local market trends, customized training for your team and more.

Want to learn more?

Contact our dedicated regional sales team

What would you like the power to do?®

Competitive rates and a wide range of home loan options

Up to $17,500 in down payment grants and closing cost help in select markets.¹
Affordable mortgages, government loans, jumbo loans and more
Interest rate locks for up to 360 days with Builder Rate Lock Advantage®.²

Explore program options

Check current rates

Prequalifications and preapprovals

Your lending specialist can help your clients with prequalification³ or preapproval⁴ so you have a better idea of their home purchase price range.

Find out more

The Bank of America Real Estate Center®

This home search platform not only helps your clients, you can use it yourself to find homes that may be eligible for one of our grant programs.

See details

Enjoy the benefits of a Network Agreement

This non-paid agreement offers a variety of ways for us to work together.

Find out more

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Let's work together to help bring your buyers home.

Learn more

1

Qualified borrowers must meet eligibility requirements including, but not limited to, being owner occupants, meeting certain qualifying income limitations and purchasing a home within a certain geographical area. Minimum combined loan-to-value must be greater than or equal to 80%. The America’s Home Grant Program is a lender credit. Program funds can only be used for nonrecurring closing costs including title insurance, recording fees, and in certain situations, discount points which can be used to lower the interest rate. The grant cannot be applied toward down payment, prepaid items, real estate commissions or miscellaneous real estate agent fees, or recurring costs, such as property taxes and insurance. Borrowers cannot receive program funds as cash back. Maximum income and loan amount limits apply. The home loan must fund with Bank of America. Bank of America may change or discontinue the America’s Home Grant Program or any portion of it without notice. Not available with all loan products, please ask for details.

Qualified borrowers must meet eligibility requirements such as being owner-occupants and purchasing a home within a certain geographical area. Maximum income and loan amount limits apply. Minimum combined loan-to-value must be greater than or equal to 80%. Program funds can be applied toward down payment only. Borrowers cannot receive program funds as cash back in excess of earnest money deposits. Down Payment Grant program may be considered taxable income, a 1099-MISC will be issued, consult with your tax advisor. May be combined with other offers. The home loan must fund with Bank of America. Down Payment Grant may only be applied once to an eligible mortgage/property, regardless of number of applicants. Homebuyer education is required. Bank of America may change or discontinue the Bank of America Down Payment Grant Program or any portion of it without notice. Not available with all loan products, please ask for details.

Maximum income and loan amount limits apply. Fixed-rate mortgages (purchases or no cash out refinances), primary residences only. Certain property types are ineligible. Maximum loan-to-value (“LTV”) is 97%, and maximum combined LTV is 105%. For LTV >95%, any secondary financing must be from an approved Community Second Program. Homebuyer education may be required. Other restrictions apply.

2

Extended rate lock options require a lock-in fee. A portion of the lock-in fee may be applied to closing costs at loan closing. If the loan does not close, the lock-in fee may be refunded in full when certain conditions are met and required documentation is timely provided. See the Interest Rate Lock-in Agreement and Confirmation and Float Down Addendum for details. Pricing is based on extended rate lock options which are 120 days, 180 days, 270 days and 360 days. You should consult your home builder to help you choose a reasonable closing date when construction will be completed and within the lock-in period. Float down option is subject to time limits, other restrictions apply. May not be available for all loan programs.

3

Prequalification is neither preapproval nor a commitment to lend; you must submit additional information for review and approval.

4

Final loan approval is subject to satisfactory appraisal and title review and no change in borrower credit and financial condition. Preapproval is subject to terms and conditions and timely submission of required documentation; ask your Lending Specialist for details. Preapproval does not commit to the continued availability of the loan program. The interest rate shown in a preapproval is based on our current pricing and is not locked. You may choose to lock an interest rate after we receive the complete and executed purchase contract. Borrower must submit purchase contract within 90 days of preapproval. If the rate at time of lock is higher, or a rate lock expires prior to funding, or for adjustable-rate loan programs when the index value rises, we must determine your ability to repay the loan at the higher rate, which may lower the loan amount or invalidate the preapproval. Not available on all loan products. Not available on refinance loans.

America's Home Grant, Affordable Loan Solution, Bank of America Real Estate Center, Builder Rate Lock Advantage, Bank of America and Bank of America logo are registered trademarks of Bank of America Corporation.

Bank of America, N.A., Member FDIC Equal Housing Lender ©2025 Bank of America Corporation. NMLS ID 399802. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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