Down payment assistance
Down payment assistance: help getting into your first home.
Saving for a down payment is often the biggest hurdle. I offer a nationwide down payment assistance program, plus CalHFA and GSFA programs for California buyers, and we underwrite all three in house.
Programs I offer
Nationwide program
Down payment assistance available to eligible buyers in every state where I lend: CA, TX, SC, FL, and TN.
CalHFA
California Housing Finance Agency programs that help eligible California buyers with down payment and closing costs.
GSFA
Golden State Finance Authority programs offering down payment assistance for eligible California buyers.
Underwritten in house
All three programs are underwritten in house, so your file stays with one team from start to finish.
What assistance can help with
Depending on the program, assistance may be used toward:
- Your down payment
- Closing costs
- Pairing with FHA, VA, USDA, or conventional loans, depending on the program
- Getting into a home sooner instead of saving for years
Common questions
Do I have to be a first-time buyer?
Some programs require it and some do not. Income limits, credit, and other requirements also vary. I will check every program you might qualify for.
Do I have to pay the assistance back?
It depends on the program. Some assistance is a deferred second loan repaid later, often when you sell or refinance, and some may be structured differently. I will explain the terms of each option clearly before you choose.
Can I use down payment assistance outside California?
Yes. My nationwide program is available to eligible buyers in all five states where I am licensed. CalHFA and GSFA are California programs.
Why does in-house underwriting matter?
Your file stays with our team instead of being handed off to an outside underwriter, which keeps communication simple and helps avoid surprises.
Other loan options
Find out how much help you can get.
Call, text, or apply online, and I'll check every assistance program you may qualify for.
Down payment assistance programs have income limits, credit requirements, and other eligibility rules, and are subject to funding availability. Mandy Phillips, NMLS# 1878035. Omega Mortgage Group, NMLS# 1253874. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Programs, rates, and terms vary by state and are subject to change.
