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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The Home-N-5 Program

Home Buyer Service is not a Lender or Realtor®. We are a private service organization that provides a straightforward, 5-step home ownership program that takes you from pre-qualifying to close of escrow and every step in between all at no cost to you. Sellers, not buyers, pay for our service. We utilize safe and affordable government and community based first-time home buyer programs to help you qualify for and finance your first home purchase. And, they make almost any home easier to own.

You’ll receive our complete Home Buyers Application Kit

Federal, State and Local Programs. Home-N-5 incorporates the best aspects of a wide array of special community based and government home ownership bond and grant financing programs that were developed to help qualified first-time home buyers into home ownership. These programs offer special incentives such as 100% financing and down payment or closing cost assistance and provide the peace of mind knowing they are safe, secure and government insured.

The Down Payment You Need for the Home You Deserve™. There are many forms of down payment assistance available for certain qualified first-time home buyers, from county and city to state and federal. Additionally, Home-N-5 and its participating realtors  also assist home buyers with their closing costs and interest rate reduction plans that make home ownership possible and affordable.

The Home-N-5 Process

  1. Pre-qualify. Provide us with some basic information about your income, expenses and debt(s) online or over the phone at 949-542-3962 and we’ll let you know if you meet program guidelines in your area and how much home you may qualify to purchase.
  2. Approval. If you pre-qualify, we’ll send you our Home Buyers Application Kit so we can review your credit, income and debts in order to establish a preliminary home budget. We’ll obtain approval for your first-time home buyer financing program, including down payment or closing cost assistance. This will include a detailed outline of your financing called a “Good Faith Estimate” in simple to understand terms.
  3. Home Buyer Education. You will attend an accredited home buyer education workshop in your area that provides pre-purchase counseling and prepares you for the responsibilities of home ownership including monthly budgeting.
  4. Find your Home. We’ll finalize your home purchase budget and introduce you to a local Participating Realtor® who will walk you through the entire home purchasing process. Your realtor will show you homes in the area you want to live in that are in your price range while ensuring your overall purchase transaction is fair, equitable and affordable to you.
  5. Live the Dream.  Your dream of home ownership can begin with Home Buyer Service’s Home-N-5 Program. Our service and programs offer you the opportunity to purchase a home, start building equity and to enjoy all of the benefits that home ownership has to offer.



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