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Low Down Payment Solutions

Available to qualified first-time homebuyers, and offers a low down payment option of just three percent, with no geographic or income restrictions.

Some Fun Facts


2018 Homes Sold in the US


Home Loans Currently in the US


% of Home Sales to First-Time Buyers


% of Home Loans to First-Time Buyers

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Benefits of a Good Credit Score!

The foundation of any mortgage is your credit rating, and while a lower credit rating may not prevent you from getting a mortgage, the higher your score, the better mortgage you can get. This is important for both the longterm status of your mortgage and the bid you make on a house you're interested in.

When you make an offer on a house, most sellers don't only look at the overall financial offer, but various other factors, including your mortgage. The type of mortgage and the terms you have can be significant factors in the decision the seller makes. If you have an FHA mortgage, and a competing bid has a conventional mortgage, many sellers will be tempted to choose the conventional mortgage, even if your bid is a bit higher.

You can certainly still buy a home with a lower credit rating and an FHA mortgage, but the better your rating, the better your chances of getting your dream home!

Additionally, the terms of the mortgage itself can change drastically based on your credit score, particularly the interest rate, which may ultimately save you thousands over the course of your mortgage. Even just 100 points on your credit score can make a significant difference, so getting your credit score as high as possible (and lowering your debt to income ratio) is an essential part of getting the best mortgage terms you can!

Latest news

May 10

How to Get a Mortgage with Bad Credit

When dealing with a mortgage, you’ll hear a lot about your credit score. There are rarely loans that are bigger than a mortgage loan, and your credit history is the primary way lenders have to see how you are with loans. The higher the loan, the bigger the risk for the lender, and thus the […]

couple home house
Feb 28

Fixed Rate Mortgages vs Adjustable Rate Mortgages

Fixed rate mortgages or adjustable rate mortgages. Deciding between what type of mortgage loan to choose can be tough! That’s why we are here to help you break it all down! The two most common types of mortgages are fixed rate mortgages and adjustable rate mortgages (ARM). As the names suggest, the former ties you […]