Are you Looking for down payment assistance to purchase your home? Get first time homeowners grant funds with exclusive payment assistance.

Do You Have Credit Issues?

Don’t Be Discouraged.

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Frequently Asked Questions

Frequently Asked Questions

The grant can be repayable or forgivable. 

Repayable DPA grant has a 10-year term with an interest rate of 2% higher than the interest rate on the FHA first mortgage. This loan requires a monthly payment on the second mortgage.

Forgivable DPA grant has a 30-year term with an interest rate of 0% (0% APR). This loan does not require a monthly payment on the second mortgage. Forgiveness is based on DPA Percentage. 3.5%: Forgiven after 36 consecutive, on-time payments on the first mortgage. 5%: Forgiven after the initial 120 on-time payments on the first.

  • The monthly payment will depend on whether it is a repayable or forgivable grant. 
  • Repayable DPA grant has a 10-year term with an interest rate of 2% higher than the interest rate on the FHA first mortgage. 
  • For example, if the FHA first lien is 7.75%, then the grant rate is 9.75%. On a 350,000-purchase price, the down payment grant of 3.5% would be $12,250. On a 10-year term, the monthly payment for the $12,250 grant would be $160 a month for 10 years. 
  • Forgivable DPA grant does not have a monthly payment.

You may be eligible with credit scores down to 600! Don’t worry if you are below that number. Our licensed loan officers can work with you to understand your score. Our loan officers are well versed in working with many homeowners regarding their credit scores.

You do NOT have to be a first-time homebuyer to be approved for down payment assistance. It is only required that the home you are purchasing will be your primary residence.

We have programs with no income limits! Your income impacts the rate. 

We also have programs where your income must be less than 135% of your area median income. Our licensed loan officers can check the limits for your area extremely fast. 

You can buy single family homes, condos, modular/manufactured homes, and even properties with up to 2 units (such as a duplex).

Yes, absolutely. We have programs that allow for a non-occupant co-borrower.

Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. The type of Down Payment Assistance (“DPA”) and lien position will vary by program. Please contact your Hypersmart Home Loans Mortgage Consultant for more information. The DPA may be repayable or forgivable and comes in the form of a second mortgage loan on top of a FHA loan. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Example is based on a 30 year fixed FHA mortgage loan with 3.5% down (provided through the DPA) as of 11/14/2023 in Austin, Texas. Amounts are based on loan amount of $343,660 (purchase price of 350,000), interest rate of 7.75%, APR of 8.949%, $17,463 due from borrower at closing ($12,250 down payment paid through down payment assistance program). Approximate monthly payment of $3,386. Borrower will be responsible for down payment beyond what is provided by the program as well as any fees and costs associated with the loan. Income and geographic restrictions apply. FHA scenarios include an FHA 1.75% fee financed. Repayable DPA at 9.75% for 10 years (with $160 mo. payment).   Xpert Home Lending, Inc. (NMLS# 2179191) DBA HyperSmart Home Loans. Ali Hedayatifar RMLO (NMLS #1817352). Refer to \[[www.nmlsconsumeraccess.org\](http://www.nmlsconsumeraccess.org/)](http://www.nmlsconsumeraccess.org]\(http://www.nmlsconsumeraccess.org/\)). In all states, the principal licensed office of Xpert Home Lending, Inc. is 1100 Satellite Blvd NW, Suwanee, GA 30024; CA Bureau of Real Estate, Real Estate Broker’s License ( DRE # 021667858). Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Equal Housing Lender.

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