Saving for a down payment is one of the biggest hurdles to buying a home, but it doesn’t have to be. If you’ve been searching for a down payment assistance program that can help you buy sooner without draining your savings, First Home Mortgage has a new solution just for you. Our First Home 100 & 100+ program is designed to give qualified homebuyers the financial boost they need to move from dreaming to owning, offering flexible assistance, competitive loan terms, and local expertise every step of the way.
For many homebuyers, the dream of homeownership feels close, yet saving for the down payment can be the biggest challenge. Even those who can comfortably afford a monthly mortgage payment often find it takes years to build the savings needed to cover the upfront costs. At First Home Mortgage, we believe that the down payment shouldn’t be the obstacle that keeps you from moving forward. That’s why we created First Home 100 & 100+, our new in-house program designed to help you bridge the gap and step into your home sooner.
First Home 100 & 100+ provides flexible down payment assistance that can be paired with an FHA 30-year fixed mortgage, giving you a steady, predictable payment and more buying power right away. Buyers can choose from two options: First Home 100, which offers 3.5 percent down payment assistance, and First Home 100+, which offers 5 percent. The assistance comes in the form of a small second loan with a fixed rate, making it easier to manage while keeping your home purchase on track.
What sets this program apart is its accessibility. There are no income limits and no geographic restrictions, meaning it’s available anywhere we lend. It’s designed for one- to two-unit homes, making it a great fit whether you’re buying your very first home or upgrading to your next. The program is available for purchases only, so it’s perfect for buyers who are ready to take the next step now. And because you’ll work with local experts who know your market, you’ll have guidance from the first conversation to the day you get your keys.
At First Home Mortgage, we combine speed and service. Our in-house underwriting means quicker approvals, so you can shop with confidence. We know the communities we serve and understand the challenges buyers face, which allows us to create solutions that truly fit your budget and goals. Most importantly, we see every client as more than just an application. You can count on personalized support, clear communication, and a commitment to making your homebuying experience as smooth as possible.
If saving for the down payment has been the one thing holding you back, First Home 100 & 100+ could be the key to unlocking your next move. Whether you’re ready to stop renting or looking to buy your next home, this program can help you move forward with less stress and more confidence.
Ready to own your home?
Let’s talk about how First Home 100 & 100+ can get you there. Contact us today to start the conversation.
