Home Buyer Service

Transaction Assistance

We help throughout
your home purchase to
ensure all aspects are
fair to you.

Assistance Information

Available Programs

Each year, over 14,000 home buyers take advantage of federal, state and local programs to help them purchase their first home.

Available Programs

Do I Qualify?

Qualifying is tailored to suit each family's unique situation.

Details About Qualifying

Testimonials

“I had no idea that these programs existed or that I could afford to own a home. You helped me with over $23,500 in down payment assistance, and a very affordable 6% fixed rate mortgage loan. Your help was priceless!”

Mary L.

 

“We had been trying to purchase a home for years, but with limited credit and no down payment, we just didn’t qualify. I was so pleased when I found out that there were programs which helped us become home owners. If we hadn’t called you, we would still be renting. We are now living the American Dream, thanks to you and your wonderful organization.”

Forever Thankful, Sam and Maria R.

 

“I wanted to let you know that we are enjoying our first home more than you can imagine! I am so happy that we are now building equity every month instead of paying rent! We were surprised that we became Home Owners so easily. Thank you for helping us with the first time home buyer program and always looking out for our best interest, it really did make the difference!”

Happy Home Owners, Barry and Melinda G.

 

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Available Programs

100% LTV Government and Community Based Financing Programs
The Federal Housing Administration (FHA), the Housing Finance Agency/Authority (HFA) and Fannie Mae (FNMA) have many programs (currently over 3,500) available to first-time home buyers. Program descriptions and qualifying requirements are set on a state by state basis. As a general rule, credit requirements are flexible (620 FICO score) and these programs usually include down payment or closing cost assistance up to 5%, but in almost all cases, up to 100% affordable below market fixed rate financing for your first home purchase.

Down Payment Assistance
In March of 2003, Congress passed the HOME GRANT funding bill to increase home ownership opportunities for all U.S. citizens that qualified. This grant, also known as the American Dream Down Payment Act, provides special down payment loans and grants of $5,000 to $40,000 or more to borrowers that meet certain qualifying criteria. If a borrower meets certain program guidelines, then we make sure to include a supplemental down payment assistance program into their Home-N-5 plan.

Mortgage Credit Certificates
These certificates are used to help improve home buyers' qualifying abilities by reducing their Federal income Taxes by up to $2,000 per year (or up to 20% of the amount of interest to be paid on your new mortgage loan) for the first 10 years of home ownership (in some cases, for the duration of home ownership). In some cases, you cannot combine the use of a Mortgage Credit Certificate with Down Payment or Closing Cost Assistance as certain funding restrictions and/or limitations may apply.

Industry Specific Programs
The are supplemental home ownership programs for teachers, military, law enforcement, government employees and others that provide grants and special loans to assist with the home purchase process. These programs vary by state, county and agency and can usually be combined with other mortgage bond programs or down payment and closing cost assistance.

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