Discover the Pathways Mortgage Program

At Langley, we believe homeownership should be achievable for everyone. Our Pathways Mortgage* program is designed to help families turn the dream of owning a home into a reality.

With this unique program, you can borrow up to 103% of your home’s value, making it easier to afford your dream home while keeping your savings intact. Best of all—there’s no private mortgage insurance (PMI), meaning lower monthly costs for you.

Program Highlights

Borrow up to 103% LTV

No need to save for a large down payment—our program gives you the support to make homeownership possible.

No Private Mortgage Insurance (PMI)

Lower costs mean more flexibility to invest in your family’s future.

For Households Earning Less than 80% of the Median Income

Designed specifically for individuals and families in the Hampton Roads community.

Build Equity, Stability, and Growth

Owning a home means investing in your future and gaining the stability every family deserves.

What Does This Mean for You?

The Pathways Mortgage helps you take the first step toward financial growth. By removing barriers like high down payments and PMI, we make the process clear, simple, and achievable. Whether you’re dreaming of a yard for your children to play in, a place to call your own, or a solid foundation for the future—you’re not alone. Langley is here to guide you every step of the way.

Your Dream Home is Closer Than You Think

Take the first step on your path to homeownership with Langley. Our team is ready to answer your questions, walk you through the process, and help you get into the home you deserve.

Contact Us

Call Us Visit your local Langley branch Start Your Application Online
* Offer applies to borrowers with a credit score of 620 or better, who’s household income is below 80% of their local metropolitan statistical area (MSA). Borrowers may borrow up to 103% loan-to-value. Property insurance and, if applicable, flood insurance is required. Payment does not include taxes and insurance premiums. Some restrictions may apply.
**For properties in Virginia and North Carolina only. Subject to credit approval. Insured by NCUA. NMLS # 402897