START HERE
Find a Home Buying Program

Are you a first-time homebuyer?

Yes No

Home Buying Programs That Help

Less Than Perfect

Homebuyers with less than perfect credit scores can use FHA loan options. Home loans start with low Convetional 3% and FHA 3.5% down payment.

First-time Buyers & More

Homebuyers do not have to be a first-time homebuyer to qualify. There are no down programs available to all home buyers.

Mobile App

Whether you’re looking for the right mortgage on your next home or you’re refinancing your current one, our next-level app, S1 Connect is designed just for you!

Low Down Payment

Down Payment Assistance Programs may provide a low and no down payment option to help you buy your next dream home.

How it works

first Share a few details
first Low down
first Hi, I'm Vic, your loan officer, How can I help?
first Share a few details
first Low down
first Hi, I'm Vic, your loan officer, How can I help?
1

Find the right home

It all starts here by choosing a home and low down payment option that best fits your purchase plan.

2

Find the right loan

Get an easy to follow estimate with loan program, interest rate, monthly payment and cash to close. Know what to expect.

3

Painless process

Once you know your options you to buy a home.

Start Here

Takes two minutes. Won't affect your credit score.

Frequently asked questions

Q: How does a homebuyer qualify for first-time home buying programs?
+ -

Buyers must have qualifying income, be a first-time homebuyer, and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: How much do I need for my down payment?
+ -

Your down payment depends on which program you qualify for and which program you can get approved for. Some first time programs have income limits, but do not worry we can review all loan program options with you.

Q: Do FHA Loans offer 3.5% down payment?
+ -

Yes, FHA is an excellent choice with 3.5% down. All Conventional loan can start at 3% down. Those eligible for VA, and USDA home loans offer no money down. Each loan has different guidelines.

Q: Can low down payment really help me buy a home?
+ -

Yes, home buyers are helped every day to achieve their home purchasing goals.

Q: What kind of home loan are available.
+ -

Typically first time buyers like fixed year home loans and you may qualify for low down Conventional, FHA, VA and USDA home loans.

Q: What is the first step to take advantage of low down payment programs?
+ -

Start with “FIND PROGRAM” answer the questions, connect with a real estate specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can start your estimate today. Without affecting your credit score.

Start Here

Won't affect your credit score.

Synergy One Lending, Inc. | NMLS 1907235 | http://www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | © 2024 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Synergy One Lending to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.