Great news!

This is a new grant-based downpayment program that our partner lender is offering. You may be able to pay only .5% down! And the best part, the assistance $ is a grant so you don’t have to pay it back.


  • 96.5% FHA 1st Loan, 3% Grant, ½% down payment from borrower
  • No city restrictions
  • Income limits apply, $80,040 (not based on total household income, just borrower’s income)
  • Minimum FICO 640
  • Minimum loan amount $50,000
  • 1 Unit primary residence only
  • Single family residences, FHA approved condos, PUDs.
  • No manufactured housing
  • Home buyer counseling is not required
  • Non-occupant co-borrowers are not allowed.
  • All borrowers must occupy the property
  • Maximum debt to income ratio 45%
  • Flip properties:  maximum 120% above seller’s acquisition cost

If you are interested or want more information, please email me (shane[at] and I’ll have our lender contact you directly.

See some homes in the Palm Springs Area that may qualify!


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