$500 Down & 100% Financing for Your Home
Get up to $15,000 in assistance — no mortgage insurance required. I help Southern California homebuyers secure mortgages with assistance that reduces your out-of-pocket costs.
⚡ Limited time: $15K grant — expires 12/31/26
Conventional · FHA · VA · USDA loans available
$500
Down Payment
100%
Financing
$15K
Grant Available
$0
Mortgage Insurance
NO PMI IE Exclusive
Community Opportunity Program
Own a home with as little as $500 out of pocket — no mortgage insurance required.
$500
Minimum Down Payment
That's it — just $500 to get into your home.
100%
Home Financing
Full purchase price covered by the loan.
$0
Mortgage Insurance
No PMI — keep more money in your pocket monthly.
$15,000
Forgivable Grant
Use it toward down payment, closing costs, or agent commissions.
Use Your $15,000 Grant Toward:
Down Payment
Apply the grant directly to your down payment to reduce what you bring to closing.
Closing Costs
Cover title fees, escrow, appraisal, and other closing costs — no out-of-pocket surprises.
Agent Commissions
Use grant funds to cover your real estate agent's commission — saving you even more.
Program Requirements
- 660+ credit score
- Maximum 45% debt-to-income ratio
- 2 months reserves in savings
- Property in eligible low-to-moderate income area
- $500 minimum borrower contribution
⚡ $15K Grant — Expires 12/31/26 ⚡
Estimate in Seconds
Grant Savings Calculator
See how much you could save on your home purchase.
Choose Your Path
Grant Programs Available
Three powerful programs to help reduce your home buying costs.
Community Opportunity Mortgage
Forgivable grant for down payment, closing costs, and agent commissions.
- 100% financing available
- 660+ credit score
- Max 45% DTI
- 2 months reserves
- Only $500 min. contribution
- No mortgage insurance
Available through 12/31/26
Ask About This ProgramConventional Loan + Grant
Forgivable grant with just 5% down payment required.
- 640+ credit score
- 5% down payment
- Max 49% DTI
- 2 months reserves
- MI for LTV above 80%
Available through 12/31/26
Ask About This ProgramFHA Loan Grant
Grant for closing costs, rate buydown, and agent commissions.
- 620+ credit score
- US resident or citizen
- 2 months reserves
- Rate buydown available
Pro tip: a higher credit score can help you secure a better interest rate on your mortgage, potentially saving you thousands over the life of your loan. Contact me to learn how to improve your score before applying.
Be Prepared
Documents You'll Need
Get a head start on your application by gathering these documents ahead of time.
Important: how to submit documents
For your security, all documents must be emailed — please do not send documents via text message. Documents cannot be redacted (all pages must be complete and unaltered).
W-2 Employees
W2 Employees – Income
- 2 most recent paystubs (not older than 30 days)
- If working overtime or receiving bonuses or commissions: your December paystubs from the last two years
- W-2s from the last two years
W2 Employees – Assets
- 2 most recent bank statements – all pages – showing your 2 months reserves or savings
- Retirement/investment account statements (if applicable)
- Gift letter (if using gift funds for down payment)
Self-Employed / Business Owners
Self-Employed – Income
- 2 most recent years of federal income taxes for your business – all pages including K-1 schedules
- 2 most recent years of personal income taxes – all pages
- If you do not file business taxes and use Schedule C: just 2 most recent years of personal income taxes – all pages
Self-Employed – Assets
- 2 most recent bank statements – all pages – showing your 2 months reserves or savings
- Retirement/investment account statements (if applicable)
- Gift letter (if using gift funds for down payment)
Retired
Retired – Income
- All award letters from retirement (Social Security, pension, etc.)
- 2 most recent years of income taxes – all pages (when available)
Retired – Assets
- 2 most recent bank statements – all pages – showing your savings for reserves
- Retirement/investment account statements (if applicable)
- Gift letter (if using gift funds for down payment)
Everyone Needs
Identification & Credit
- Valid government-issued photo ID
- Social Security number
- Authorization to pull credit report
Property & Other
- Purchase agreement (once in contract)
- Homeowners insurance quote
- Landlord contact info or 12 months rent payment history
- Explanation letters for any credit inquiries or derogatory marks
Not sure what you need? Don't worry — I'll walk you through every step of the process. Reach out for a free consultation →
Where I Lend
Serving Southern CA
View eligibility maps in other areas.
Let's Get You Home
Whether you're a first-time buyer or looking to refinance, I'll help you find the best loan and grant options. Free consultation — no obligation.
Clayton Sheffrey
NMLS# 643155 · Mortgage Loan Originator
NO PMI IE
Conventional · FHA · VA · USDA
619-708-0876
Call or text anytime
[email protected]
Email documents and questions here
Hablamos Español
Bilingual service available