Three Programs
Choose the program that fits your situation
Curtis specializes in identifying which programs you qualify for — and stacking them together to maximize your benefit. Here's a plain-English breakdown of each one.
The Forgiven Loan
A second mortgage at 0% interest with no monthly payments. Stay current on your first mortgage and the balance is completely forgiven — you never pay it back.
Credit Score as Low as 600
One of the most accessible programs available — 620+ for manufactured homes
0% Interest — $0 Monthly Payment
The second mortgage costs you nothing while you make on-time payments on your first
Forgiven After 36 On-Time Payments
Just 3 years of on-time payments and the balance disappears entirely
Up to 3.5% Assistance
Can cover your entire FHA down payment requirement
No Income Limits (Repayable Option)
Higher-earning buyers can still access this program
Rate Buydown Options Available
1/0 and 2/1 buydown options to lower your first-year rate
Manual Underwriting Available
Unique situations that don't get automated approval can still be reviewed
First-Time Buyer Not Required
Available to repeat buyers as well
The Flexible Option
Available on FHA and USDA loans, this program offers both a forgivable second mortgage and a repayable option with a 15-year term — giving you more flexibility in how you use the assistance.
Credit Score as Low as 640
AUS approval required; manual underwriting available at 640+ FICO
FHA and USDA Eligible
Works with both FHA and USDA loan programs for maximum flexibility
Up to 5% Assistance
Repayable option allows up to 5% — higher than most programs
Forgivable After 60 Payments
Choose the forgivable option and it's gone after 5 years of on-time payments
Rate Buydown Options
1/0 and 2/1 buydowns available to reduce your starting interest rate
No Income Limits (FHA)
FHA version has no AMI income limits — open to all income levels
Covers Down Payment & Closing Costs
Proceeds can be applied to both
Homeownership Education Required
At least one borrower completes a HUD-approved education course
The Free Money Grant
This is a true grant — money given to you to help purchase your home that never needs to be repaid. Available on FHA and conventional loans including Fannie Mae and Freddie Mac programs.
🎉 Zero Repayment — Ever
Unlike a second mortgage, this grant never becomes a debt. The money is simply given to you — no forgiveness period needed, no payments, no balance.
Credit Score as Low as 640
FHA: 640 minimum. Conventional: 620 average across borrowers
FHA, Fannie Mae & Freddie Mac
Works with conventional programs including HomeReady and Home Possible
Up to 3.5% Grant (FHA)
Can cover your entire FHA down payment — free and clear
Up to 3% Grant (Conventional)
Available at 1%, 2%, or 3% of the purchase price
Single Family to 4-Unit Properties
Eligible for small multi-unit properties as well as single family homes
AMI Exceptions Available
First-time buyers, teachers, first responders, medical workers, veterans & more may qualify even above income limits
Covers Down Payment & Closing Costs
Use the grant toward either or both
First-Time Buyer Not Required
Repeat buyers also eligible — certain income limits may apply
Compare All Three
Side-by-Side Comparison
| Feature | Program 1 Forgiven Loan |
Program 2 Flexible Option |
Program 3 True Grant |
|---|---|---|---|
| Min Credit Score | 600 | 640 | 640 (FHA) / 620 avg (Conv) |
| Repayment Required | Forgiven after 36 pmts | Forgiven after 60 pmts | Never — True Grant |
| Monthly Payment on Assistance | $0 | $0 (forgivable) or small pmt | $0 |
| Max Assistance | 3.5% | Up to 5% | 3.5% FHA / 3% Conv |
| Eligible Loan Types | FHA | FHA, USDA | FHA, Conventional |
| Income Limits | None (repayable) / 160% AMI (forgivable) | None (FHA) / USDA limits apply | 160% AMI (exceptions apply) |
| Rate Buydown Option | Yes | Yes | No |
| First-Time Buyer Required | No | No | No |
Find out which program is right for you
Curtis will review your credit score, income, and situation to identify every program you qualify for — and figure out how to stack them for maximum benefit.
Curtis Christensen
Curtis specializes in down payment assistance and grant programs — helping buyers get into homes they didn't think were affordable. He'll find every program you qualify for and walk you through the process from start to closing.
💬 Find Out Which Program You Qualify For
Answer a few questions so Curtis can identify the best programs for your county and situation.
Step 1 of 2 — Your Situation
Tell us about your needs
Step 2 of 2 — Your Results
Where should we send your information?
By submitting you consent to be contacted by Curtis Christensen NMLS #156825 at Utah Mortgage NMLS #1432672.
You're All Set!
Curtis will review your information and be in touch shortly — usually within a few hours during business days.
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