3.5% Down. No Trick Questions.

Most programs bury the costs. We'd rather put them on the table, in the light, before you fall in love with a house.

Up front:

• 3.5% down on most homes — that's $8,750 on a $250,000 house. Not 20%. Not "$40,000 or go home."
• Closing costs, disclosed before you sign anything.
• A modest credit report fee to verify your payment history. Yes, it costs a few dollars. We'd rather tell you than surprise you.

Every month, your payment includes:

• Principal and interest on a fixed schedule — a 40-year term keeps the payment human.
• Taxes and insurance, so the boring-but-critical stuff never lapses.
• Home Payment Protection built in — the program's own protection layer, included rather than sold to you separately at the last minute.

The honesty clauses nobody else volunteers:

• Pay by the 1st of the month. A payment more than 5 days late takes a $195 late fee. We're not hiding it — on-time is the whole game, and the program is built to reward it.
• Your initial payment is wired before closing. Paperwork first, keys second.

The scenario: you've saved $12,000 and always assumed that wasn't "house money." On a $250,000 home: $8,750 down plus closing costs, and you're at the table — with the rest of your savings still in the bank and a fixed payment you already budgeted for.

Transparency isn't a marketing word here. It's the structure.

Want your real numbers? Check your eligibility and we'll lay them out line by line.