First time buyers are our specialty.  We take the time to educate you and explain each step of the mortgage process.   Regardless of your down payment, we realize that you haven't done this before!

Do you want to buy a home, but lack money for down payment?   HomeTrust can help you with a low-money-down loan, or even help you get a grant for down payment, depending on your income and where you are buying a home.

Please enter your info on the right to see if one of these programs works for you!

IHDA 

A grant from the State of Illinois for down payment.   Repayable if you sell your home in the first 10 years.   This program has income limitations.

FHA/PRIVATE SECTOR GRANTS

We off er alternative Down Payment Asistance Grants-great for lower credit scores
HOME POSSIBLE/HOME READY

Conventional lending with 3% down payment options for first time buyers, and preferred rates.  Both of these programs have income limits-check out this eligibilty tool