The Road To HomeOwnership Starts Here

First Time Home Buyer Programs

We are a nationwide lender and our firsthomebuyer loan programs are underwritten, closed, and funded in-house which saves you a tremendous amount of time processing your loan. Firsthomebuyers must Get Pre-Approved and have a pre-approval letter in their hand before they start looking for a home. There are many programs and down payment options availalbe but you only need to apply one time and our team members will qualify you for all the eligible programs.

Get Pre-Approved For All The Programs You Are Elgible For Now!  Apply Now

Government Programs

USDA 100% Financing Program
Zero down payment
620 minimum credit score
Property must be located in targeted rural area. Check property eligibility.
Income restrictions apply. Check income eligibility.
Seller can pay 6% of purchase price toward closing costs

Low Down Payment which can be 100% gift from family member or Grant Program
Seller can pay closing costs-Maximum 6% of purchase price
There is maximum mortgage amount for each county. Check FHA loan limit for your county.
550 Minimum Credit Score
More flexible underwriting guidelines and extenuating credit and income circumstances may be considered by the lender.
FHA Approved Condos-Single family home-2-4 unit properties, and PUDs are eligible. 
Fast automated underwriting approval available. Also, the file can be manually underwritten by a live person to get loan approval if you do not receive approval through automated underwriting system.

Kiddie Condo Program
Parent can co-sign on the loan without living in the new home
Son or daughter does not need a job or income but they need to have minimum credit score and history requirements
Parent and kid will qualify together and all income and debts will be used in reviewing the loan file.
3.50% down payment
Condos, single family homes, and townhomes are eligible
Co-signer can be parent or relative

FHA Foreclosure Program
Must be FHA Foreclosure in HUD Participating Communities
$100 Down Payment
660 minimum credit score
Single family, 1-4 unit properties, HUD approved condominiums, and PUDS eligible
Find Foreclosures Now!

Down Payment Plus Assistance Program
Receive up to $6,000 in downpayment assistance toward down payment and closing costs
Must meet income guidelines
Single family and 2 unit properties eligible

Great fixed rate loan program with Zero Down Payment for veterans or active military personnel in Army, Navy, Marine Corps, Air Force, Coast Guard, and National Guard.
600 credit score
Single family home-VA approved condo-townhome

Down Payment Assistance/Grant Programs
Most first time home buyers do not have funds for down payment and closing costs and there are many great programs which can assist you with these funds. Check your state for local programs or email for grant programs available in your area.

Dream Makers Program
Grant program which matches your contribution three-to-one up to maximum up $5,000
Military personnel (Active Duty, Reserve, National Guard, Veteran) are eligible for this program
FHA, VA, and USDA 30 year fixed zero down loan programs available
There are maximum income limitations
Apply for grant

Good Neighbor Next Door
$100 Down Payment Option
Get home at 50% discount on home in target areas-Check out homes now!
Law enforcement, police officers, teachers, firefighters, and emergency technicians are eligible for this program
Conventional, FHA, VA loan programs available

Streamline 203k Renovation Loan
Repairs which range from $5,000-$30,000+ may be included in loan amount. Great program to fix up foreclosures.
Visit 203K Loan for more details on Streamline 203k program

Conventional and Community Programs

Fannie Mae HomeReady Program
More flexible credit guidelines-Limited credit history and non-traditonal credit items such as rent, electric, health club membership dues, etc. can be used as alternate credit history to qualify for the loan
Loan designed for low to moderate income borrowers.
No income limits in eligible area.
3% down payment and flexible sources of funds eligible
1% down payment option available with 720 credit score
No credit score or traditional credit history required. Non-traditional credit may be used to qualify.
Lower mortgage insurance options
Parents can co-sign or be co-borrower without occupying your new home
Additional income sources can be used to help qualify for the program such as non-borrower household member, non-occupant borrower(s) such as parent, and rent from accessory unit ( e.g., basement or garage apartment).
Multi-unit eligible

Fannie Mae 97% Conventional Program
3% down payment
No minimum contribution from borrower's own funds-100% gift okay
Lower monthly PMI or one-time up front mortgage insurance options to eliminate monthly PMI and lower mortgage payment
No income restrictions
Single family homes, townhomes, non-FHA Approved condos are eligible

Home Possible Program
3% down payment
$525 credit toward appraisal at closing
Income restrictions do apply but eligible have no income restrictions. Check income eligibility.
Lower mortgage insurance which can be can cancelled when home has 20% equity
No minimum contribution from borrower's funds-down payment and closing costs can come from flexible sources such as gift from family member or unsecured loan from employer.
Single family, condo, townhome, PUD

NO PMI Program
Good credit score required
No PMI or private mortgage insurance which can significantly lower your monthly mortgage payment
Conventional program

Piggyback Mortgage Loan
Jumbo alternative loan program if you intend to purchase home over the $453,100 conventional loan limit.
Lower payment than Conventional loans with PMI (Private Mortgage Insurance) and FHA loans
1st and 2nd mortgage combination loan
Less than 20% down payment
No mortgage insurance

100% Gift Purchase Program
Conventional Fannie Mae Program
660 minimum credit score
Down payment can be 100% gift from relative or fiance
Fixed rate loan

Equal Housing Lender

(847) 516-5743