Elevate Grant – Program Highlights

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• Up to 3.5% in down payment or closing cost assistance
   
• Available for FHA and Conventional loans
   
• Minimum credit score: 620 (640 for manual underwriting)
   
• No repayment required after 6 months
   
• 1–4 unit properties eligible
   
• Income must be below 160% of the Area Median Income (AMI)
   
• First-time buyers, educators, and first responders may get exceptions
   
• Homebuyer education required (like HomeView)
   
• Non-occupant co-borrowers and gift funds allowed
   
• DACA borrowers eligible (FHA only)

Disclaimer: Program eligibility, income limits, and available assistance amounts may vary by location, loan type, and individual borrower qualifications. Not all applicants will qualify. The Elevate Grant is subject to change or discontinuation at any time without notice. Please contact Michael Garcia, NMLS #2343952, to review your specific scenario.

• Up to 3.5% in down payment assistance
   
• No interest and no monthly payments
   
• Forgiven after 10 years if you stay in the home and don’t sell or refinance
   
• For FHA purchases only
   
• Not limited to first-time buyers
   
• Minimum credit score: 600 (automated) or 660 (manual)
   
• No max DTI with automated approval
   
• At least one borrower must complete a homebuyer education course
   
• Eligible for single-family homes, condos, 2-units, and most manufactured homes
  
• Must move in within 60 days of closing

Disclaimer: Program eligibility, income limits, and available assistance amounts may vary by location, loan type, and individual borrower qualifications. Not all applicants will qualify. The Home 100 Forgivable DPA is subject to change or discontinuation at any time without notice. Please contact Michael Garcia, NMLS #2343952, to review your specific scenario.

• 3.5% assistance for down payment and/or closing costs
   
• Forgivable after 60 on-time payments (must request forgiveness)
   
• No interest, no monthly payment on the DPA
   
• FHA & USDA loans only (within conforming limits)
   
• Minimum credit score: 580 (FHA) or 640 (USDA)
   
• Must complete HUD-approved homebuyer education (just 1 borrower)
   
• U.S. citizens, permanent & non-permanent residents
   
• DACA eligible (FHA only)
   
• First-time buyers welcome, but not required

Disclaimer: Program eligibility, income limits, and available assistance amounts may vary by location, loan type, and individual borrower qualifications. Not all applicants will qualify. The Boost Forgivable DPA is subject to change or discontinuation at any time without notice. Please contact Michael Garcia, NMLS #2343952, to review your specific scenario.

What makes ONE+ different?

• Buy a home with as little as 1% down
   
• Get a 2% grant that never has to be repaid
   
• Lower monthly payments with reduced mortgage insurance and better pricing
   
• Available on homes up to $350,000
   
• Minimum credit score 620
   
• Designed for families earning 80% or less of the Area Median Income (AMI), which means many local buyers qualify

 Disclaimer: Program availability, eligibility, income limits, minimum credit score, and assistance amounts vary by location, property, and borrower profile. Not all applicants will qualify. The program may change or end at any time without notice. Maximum loan amount and AMI limits may apply. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting review, and acceptable property. Please contact Michael Garcia, NMLS #2343952, to review your specific situation. Equal Housing Lender.