Pinnacle 100 Mortgage
Pinnacle 100 is Pinnacle Financial Partners’ signature affordable mortgage product — designed specifically for low-to-moderate income borrowers who are ready to buy but need 100% financing to get there. With a 30-year fixed rate, a minimum 650 credit score, and income eligibility based on area median income, this program opens the door for buyers who thought homeownership was still years away.
Eligibility Requirements
The Pinnacle 100 program is specifically structured to support homeownership for individuals and families within our communities who are ready for the responsibility of a mortgage but may not have significant assets for a down payment.
Qualified borrowers must meet area median income requirements and demonstrate stable employment history. Our commitment is to provide a transparent, accessible path to buying your home with terms that ensure long-term financial health.
Program Benefits
100% Financing
Stop waiting to save a down payment — 100% financing means you can move now and start building equity today.
Fixed Stability
Lock in a 30-year fixed rate so your payment stays stable and predictable for the entire life of your loan.
Accessible Credit
An accessible credit minimum of 650 means more buyers who are working hard can qualify for homeownership.
DPA Layering
Stack with up to $15,000 in Down Payment Assistance to cover closing costs or significantly reduce your rate.
Local Expertise
Work with a local Pinnacle mortgage advisor who knows your market personally and guides you every step.
Direct Support
Pinnacle answers the phone — no press-1 menus, no runaround, just real partners helping you succeed.
Three Steps to Your New Home
01
Connect With a Pinnacle Mortgage Advisor
Call, apply online, or walk into your nearest Pinnacle office. A real person will review your income, credit, and goals to determine if Pinnacle 100 is the right fit.
02
Get Pre-Qualified
Pinnacle will evaluate your eligibility — including income relative to area median income and credit score — and help you understand your full financing picture, including whether DPA can be layered on.
03
Close on Your Home
Once you’re pre-qualified, shop with confidence. Your Pinnacle advisor guides you through underwriting and closing, start to finish.
What Could Your Payment Look Like?
A $200,000 mortgage at an APR of 7.687% with 0% down payment, 0 points, and no origination fee would result in 360 monthly payments of approximately $1,415.59.
This is a representative example. APR is for informational purposes only. Rates are subject to change and may vary based on property type, loan amount, LTV, credit score, and other variables. This example does not include taxes, flood insurance, or hazard insurance, which will increase the total monthly payment.
All mortgage loan options are subject to credit approval. Programs and details are subject to change without notice. Geographic restrictions apply.
Frequently Asked Questions
Who qualifies for the Pinnacle 100?
The program is designed for low-to-moderate income borrowers — generally those earning less than 80% of the Area Median Income (AMI) in their market — with a minimum credit score of 650. A Pinnacle mortgage advisor can confirm your eligibility.
Is there really no down payment required?
Yes. Pinnacle 100 offers up to 100% financing, meaning you can purchase a home without a down payment. Standard credit and underwriting requirements apply.
What is the Down Payment Assistance (DPA) and how does it work?
Pinnacle’s DPA program provides up to $15,000 that can be used for a down payment, closing costs, or to buy down your mortgage interest rate. It’s structured as a loan that doesn’t need to be repaid for 30 years — or until you sell the home, transfer ownership, or refinance.
Can I combine the Pinnacle 100 with the Down Payment Assistance?
Yes — these two programs are designed to work together. Ask your Pinnacle mortgage advisor whether stacking both programs makes sense for your situation and market area.
What is the interest rate on the Pinnacle 100?
The Pinnacle 100 uses a 30-year fixed interest rate. Rates vary based on market conditions, credit score, and other factors. Contact a Pinnacle mortgage advisor for a personalized rate quote.
Are there geographic restrictions?
Yes. Pinnacle 100 and related DPA programs are available in select markets. Contact a Pinnacle mortgage advisor or visit pnfp.com to confirm availability in your area.
What credit score do I need?
A minimum credit score of 650 is required for the Pinnacle 100 program.
Is this only for first-time homebuyers?
The program is focused on income eligibility (low-to-moderate income borrowers) rather than strictly first-time buyer status. Ask your advisor whether your situation qualifies.
How do I take the first step?
Call Pinnacle at 888-512-1710, apply online at pnfp.com, or visit your nearest Pinnacle office to speak with a mortgage advisor.
Ready to apply?
Talk to a Pinnacle Mortgage Advisor today — no pressure, no menus, just a real conversation about your path to homeownership.