You work hard for your family. We work hard to make you a homeowner.
Move forward with us
Homeownership is just the beginning.
Build equity
Investing in a home creates wealth you can pass on to your children and grandchildren.
Learn from a financial coach
Work with a professional who’ll help you achieve your financial goals.
A 0% second loan for a home that's 100% yours
How it works
You’ve seen the numbers. Buying a home requires a lot of cash. You’ve got to cover the down payment, closing costs, and more. Our program knocks down those barriers by helping you with the down payment and closing costs. It’s called co-investing.
You pay at least 2% of the home's purchase price as a down payment.
We pay up to 18% of the purchase price to bring the total down payment to 20%. This assistance is a “silent” second mortgage with 0% interest — you don't make any payments on this loan while you live in the home.
When you sell the house, you pay back the assistance we provided plus 1% of the purchase price we contributed.
We reinvest that equity to provide down payment assistance to more families.
You keep the rest of the equity from the home sale!
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