As a first-time homebuyer, you have an exciting journey ahead. We know applying for your first mortgage loan and navigating a complex housing market can be daunting. At eMortgage we want your first home purchase to be a rewarding experience and we take great pride in helping  first-time home buyers realize the the dream of homeownership.

eMortgage is committed to helping people in low-wealth neighborhoods become homeowners and community stakeholders.

The eMortgage Home Buyers Program is designed specifically for low-wealth individuals who ordinarily would find homeownership difficult, if not impossible. We help our clients get the funding they need to own a home without resorting to sub-prime loans.

Our eMortage Home Buyers Program is available throughout California and provides significant advantages to low-wealth home buyers. Some of these include:

  • Down Payment Assistance Programs-  the ability for buyers to make a very small down payment (or no down payment at all)

  • Grants: “free money” that can be put towards closing costs, a down payment, and improvements to the home after purchase

  • Deferred payments: loans that don’t need to be repaid (and don’t charge interest) until you pay off the house – usually by refinancing or selling the home and moving. These loans sometimes serve as your down payment

  • Help with fees: limits on how much lenders are allowed to charge for closing a loan

Other Options

Conventional-  1% Equity Booster program with no MI

        3% Down Conventional

FHA-  FHA loans allow you to buy with as little as 3.5% down. You don’t need great credit, so they’re an option for people who are just starting to borrow (or those who are recovering from financial hardship).

VA-  No money down, no private insurance premium requirement, limit on closing cost fees

Let eMortgage help your dream become a reality. You can rest easy knowing we have the right loan for you and that our mortgage consultants have the knowledge and experience needed.

Let’s Unlock the Door to your New Home!


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