Affordable Homeownership.
The American dream of owning a home may seem out of reach, with down payments and closing costs being the biggest roadblocks.
Fortunately, there exist many programs and resources designed to minimize these hurdles, making your homeownership dreams an affordable reality.
Delta Home Group works to connect you to these resources, and help you make the most out of the tools already at your disposal—such as
For many individuals and families who dream of owning a home, down payments and closing costs are the biggest roadblocks. Fortunately, many financial programs exist and there are resources designed to minimize these hurdles, making your homeownership dreams an affordable reality.
Below is an overview of the most common resources.
Financial Assistance Programs
MMP 1st Time Advantage
Eligible for first-time buyers
The MMP 1st Time Advantage line offers various programs, which can offer up to as much as $6,000 in down payment and closing cost assistance, without any interest rates or required monthly payments.
Eligibility requirements and restrictions apply. Our specialists help you to meet them, and maximize your benefits.
Product Line :
Direct - No DPA, but typically offers our most competitive rates.
6000 - $6,000 loan for down payment & closing costs. 0% interest and no monthly payments.
3%/4%/5% Loan - DPA loan equal to 3%/4%/5% of the first mortgage in a zero percent deferred second lien.
MMP Flex
Eligible for repeat & first-time buyers
The MMP Flex line offers various programs which can offer up to as much as $6,000 in down payment and closing cost assistance, without any interest rates or required monthly payments.
The Flex line is similar to the 1st Time Advantage line, but differs slightly in eligibility qualifications and provisions.
Eligibility requirements and restrictions apply. Our specialists help you to meet them, and maximize your benefits.
Product Line :
Direct - No DPA, but typically offers our most competitive rates.
6000 - $6,000 loan for down payment & closing costs. 0% interest and no monthly payments.
3% Loan - Fixed 3% DPA loan at 0% interest, for down payment & closing costs.
Excess funds reduce principal
MMP Partner Match
Used in conjunction with 1st Time Advantage 6000 & Flex 6000
Partners provide additional assistance of up to $2,500, for a maximum total of $8,500
Eligible Partners :
- Employers
- Builders/Developers
- Community Partners
MMP Smartbuy 3.0
Homebuyers with qualifying student debt may receive a 5 year forgivable loan, to go toward student debt payments during the purchase of a home.
Two Options :
1.) $6,000 DPA loan
2.) DPA loan equal to 6% or less of first mortgage (for borrowers earning 50% or less of AMI)
There is no "one-size-fits-all" solution. The specifics of these programs can be quite complex. They depend on your financial situation, personal priorities, your credit score, and the local market.
A free personalized consultation with our preferred lender is essential to understanding your circumstances, the nuances of these resources, and which options fit your needs the best.
Our consultation is not attached to any transactions or commitments. We work at your pace and want to equip you with the information you need to make the best decision.
OUR FIRST STEPS
Let's get together and talk. No obligations or commitment.
Getting on the same page.
Personalized Financial Assessment
01
Review Your Financial Picture
• Income, Assets, & Savings
• Expenses & Debts
• Credit Score & Credit History
02
Consider Personal Goals
• Current Priorities
• Future Plans
• Your Timeline
03
Evaluate Your Buying Power
Walking you through our expert analysis and financial modeling tools, we'll help you understand your readiness to buy—breaking down what is possible for you today, and how to further strengthen your position.
Setting you up for success.
Tailored Solutions & Strategies
05
Exploring Your Options
• Which programs you currently qualify for.
• Which programs you may become eligible for, with a few strategic steps.
• Which path best aligns with your finances, goals, and the local market.
06
Personalized Plan to Build Credit
We'll walk you through various strategies to raise your credit score (even if you have no immediate buying interest), better equipping you for the future.
FINDING YOUR DREAM HOME
The home-buying process with Delta Home Group
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Exploring The Market
01
Narrowing the Search
As we review each property aligning with your financial picture, we'll work to further refine the features you prioritize, and those you wish to avoid.
02
Setting Up Showings
Once you've found a few homes that meet your needs, we'll schedule property tours. Our agents work through your vision, assessing each property with a fine-tooth comb.
03
Making An Offer
When you've found the home you wish to purchase, we will discuss and advise on the terms to make your offer appealing to the seller, which includes the price, inspection terms, and closing date.
04
Close the Deal
Once under contract, we'll guide you through each step of the process, ensuring a smooth transaction. You're one step closer to calling this property your Home.
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A Whole Team Behind You
•
Combined Experience
We measure our experience through our number of successful transactions.
Our team has sold over 700 homes, and we're proud to say that our customer's reviews speak louder than any advertisement or statistic.
•
Constant Availability
When you work with a team, you don't have to play by the schedule of your primary agent.
From simple questions to property showings, you have the support of every DHG agent.
•
Dedicated Admin Team
Our administrative specialists work diligently to ensure that nothing slips through the cracks during your purchase.
When your agent is helping others, you have the peace of mind knowing that your transaction is being given our undivided attention.
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You're More Than a Sale
Handing you the keys to your new home isn't the end of our relationship.
We strive to guide homeowners through their new journey, just as we guided you through your first steps.
Additionally, clients are added to our VIP Rewards Program throughout the year, offering rewards, giveaways, discounts, and valuable homeowner resources.
