Help with the deposit that most lenders never mention.
Down payment assistance across Maryland, Virginia, Washington DC, North Carolina and Florida, arranged from our office in Fulton, Maryland.
Some of it is a grant that never has to be repaid. Running these programs takes extra work, and plenty of lenders simply do not bother.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Assistance is usually worth checking if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| You can afford the payment but not the deposit | This is the single most common reason a capable buyer keeps renting | All purchase loans |
| You have not owned a home recently | Several programs count you as a first-time buyer if you have not owned for a few years | Talk to us |
| Your income is modest for your area | Most assistance is aimed at exactly that position, with limits set by county | Where we Lend |
| You are carrying student debt | Some state programs are built specifically around this | Talk to us |
| You are already going FHA or conventional | Assistance stacks on top of both rather than replacing them | FHA loans |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
How assistance actually works
It sits on top of another loan
Assistance is a layer, not a mortgage in itself. Your main loan is still FHA, conventional or similar.
Some of it is a grant
Meaning it is never repaid. This is the version worth chasing hardest.
Some of it is a second loan
Repaid later, or on sale, or forgiven over time depending on the program.
Eligibility is set locally
County, household size and income all affect it, and the rules change from year to year.
There is usually a homebuyer course
Short, often online, and required by most programs. Worth starting early.
It adds time to the file
Roughly a week in most cases. Write the longer timeline into your contract.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Not every lender can run these
The paperwork is heavier and the approval slower, so many simply do not offer them. That is why buyers never hear the option exists.
The rules change every year
Limits and awards are revised regularly. Anything you read on a website last year is probably out of date, including ours.
It has to be arranged before you apply
Assistance cannot usually be bolted on halfway through. Raise it at the first conversation.
Nadeem Bhatti
Where we run assistance programs
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about assistance
Do I have to pay it back?
Some programs, yes. Others are grants that are never repaid. Which you qualify for depends on your state, your county and your income.
Do I need to be a first-time buyer?
Often, but several programs count you as one if you have not owned a home in the last few years.
Can I use it with an FHA loan?
Yes. Assistance stacks on top of FHA and conventional files rather than replacing them.
Why has no other lender mentioned this?
Because running these programs takes extra work and slows the file. Many lenders quietly leave the option off the table.
Does it delay my closing?
Usually by about a week. Build that into your contract rather than discovering it late.
Find out what help you qualify for
Tell us your county, your household and your income. We will check which programs are open to you, free.