Make Homeownership Possible — Even With Little or No Money Down

At Freedom Choice Lending, we believe that your financial situation shouldn’t hold you back from owning a home. Our Down Payment Assistance (DPA) programs are designed to help first-time and repeat home buyers bridge the gap between savings and homeownership.

💡 What Is Down Payment Assistance?

Down Payment Assistance helps buyers cover the required down payment or closing costs needed to purchase a home. These funds often come in the form of:

• Grants (no repayment required)
• Forgivable loans (repaid only if you sell or refinance early)
• Deferred-payment loans (no payments until you sell, refinance, or pay off your mortgage)

🌟 Program Highlights

• Down payment help up to 5% of the purchase price
• Available for FHA, Conventional, and VA loans
• May be combined with seller credits or VIP Buyer Credits
• Designed for first-time buyers, renters, or repeat buyers
• No perfect credit required — flexible guidelines
• Income limits may apply depending on the program and location

🏡 Example Scenario

Purchase Price: $600,000
Down Payment: $21,000 (3.5%)
✅ With Down Payment Assistance, your out-of-pocket cost could be $0 — or even receive credits toward closing costs.

🔍 Who Qualifies

You may qualify if you:

• Earn less than the area’s median income
• Have a minimum credit score of 620+ (some programs go lower)
• Plan to live in the home as your primary residence
• Complete a homebuyer education course

💬 Our Most Popular Programs

• CalHFA MyHome Assistance Program
• Dream For All Shared Appreciation Loan (up to $150,000 grant)
• Chenoa Fund DPA Program
• FHA & Conventional DPA options through partner lenders

🚀 Start Your Journey Today

Our team will guide you step-by-step to see how much assistance you qualify for.
👉 Get Pre-Approved Today and discover how affordable homeownership can be.

📞 Freedom Choice Lending
Helping renters become homeowners — one key at a time.

Direct Line (562) 281-6163
Main Office (866) 587-6927
David Delgado – NMLS #349079
Presiden/CEO
Freedom Choice Lending
NMLS #1998153

Fast Approvals call (562) 281-6163
No Money Down Payment Programs
Reverse Mortgages
FHA
Jumbo
Conventional Elite (Easy to qualify)
97% Conventional Financing
Bank Statements, P&L Only , No Income No Tax Returns
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**Be aware!  Online banking fraud is on the rise.  If you receive an email containing WIRE TRANSFER INSTRUCTIONS call your escrow officer immediately to verify the information prior to sending funds.**