Your New Home is Within Reach!

See if you qualify to buy a home with no money down.

The Within Reach program  is designed to increase opportunities for homeownership targeted to low and moderate income individuals and families.  This is a 30-year fixed rate mortgage in accordance with Fannie Mae, and Freddie Mac guidelines.  Enter your zip code below to determine if you qualify for the Within Reach  down payment program. 

Some of the KEY BENEFITS of the Within Reach Program include:

Conventional      

 

Down Payment Assistance program – covers 4% or 5% of the total loan amount

Grant can be used for down payment and/or closing costs

100% forgivable after 3 years

Seller credit of 3% is allowed

FHA      

 

Down Payment Assistance program – 3% or 4% of the total loan amount.

.5% funds go towards closing costs

Can be combined with gift funds

100% forgivable after 36 on-time payments

Borrower(s) are not required to be 1st-time homebuyers

Program Requirements:

Conventional      

 

660 Minimum credit score (FICO)

115% area income limit

All borrowers must occupy the property as primary residence

At least one borrower must take homebuyer education course

FHA      

 

620 Minimum credit score (FICO) 

Lesser of $424,100 or maximum loan amounts permitted by the Department of Housing and Urban Development (HUD) 

Must be an FHA-approved property

1-2 Units only 

We are here to help!!

Curious if the Within Reach program is right for you?? Give us a call at
801-363-5363 (LEND)

We will put you in touch with one of our loan officers who can help answer all your questions. 

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