First-time home buyer programs, flexible credit and DTI options, and down payment assistance designed to get you into a home — single-family, townhome, condo, or manufactured.
A powerful financing solution that combines a first mortgage with a repayable second mortgage to help cover down payment and closing costs.
This program helps many buyers purchase a home without needing large upfront savings.
Key Program Features & Loan Structure
3.5% of purchase price/appraised value OR
5.0% of purchase price/appraised value
1.5% of purchase price/appraised value OR
2.0% of purchase price/appraised value
Minimum credit score starting around 580
Some property types or overlays may require 620+
No requirement to be a first-time homebuyer
No general income limits (USDA has income guidelines)
Available nationwide
Special programs tailored for buyers needing low down payment solutions
Options that accept credit scores starting around 580 (program dependent)
Flexible debt-to-income ratios to help more buyers qualify
Nationwide availability for FHA, USDA, and VA financing
Access to down payment assistance programs
Our team helps you find the right loan structure and DPA combination based on your credit profile, income, and property type.
You can use this program for multiple property types, including:
Single-Family Homes
1–2 Unit Properties (FHA / VA eligible)
Planned Unit Developments (PUDs)
Townhomes
Condominiums (subject to approval)
Multi-Width Manufactured Homes
14K+
Your main mortgage is funded through FHA, USDA, or VA financing.
A second mortgage provides funds to cover down payment and/or closing costs.
Your monthly payment includes:
This program can be a great solution for:
Buyers with limited savings for a down payment
Borrowers with mid-to-lower credit scores
Buyers interested in manufactured homes or condos
Active-duty military or veterans using VA financing
Rural homebuyers using USDA loans
Complete a quick form or speak with our team.
We review your credit, income, and goals.
We match you with the best loan + DPA combination.
We make homeownership more accessible by offering flexible loan programs designed for today’s buyers. Our solutions are tailored for both first-time and repeat buyers who need low down payment options and supportive financing. We provide access to FHA, USDA, and VA loan programs paired with down payment assistance to help reduce upfront costs.
Many of our programs accept credit scores starting around 580, depending on the loan type and property guidelines. With flexible debt-to-income requirements, more buyers can qualify for the home they want.
Our team works closely with each client to match them with the best loan and assistance program for their financial situation.
Get a free eligibility check and personalized rate quote.
Our team will help you find the best mortgage and down payment assistance option for your situation.
