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Check Out Our Member Stories

Supporting small businesses nationwide

Read More
Read Our Annual Report

See the numbers of how we supported our communities

Learn More
Invest in What We Do

Connect with our team to see how you can be a part of the mission

Reach Out

Help your clients get into a home with 1% down.

Down payment assistance, financed closing costs and no PMI: Self-Help's Equity Boost loan program gets your clients to the closing table.

Kayla and Chris Morris, Self-Help borrowers and first-time homebuyers

1% down payment

Borrowers can contribute as little as 1% of purchase price.

Down payment assistance

We'll help your clients access any down payment assistance programs they qualify for.

Affordable monthly payments

Low interest rates and no PMI.

Flexible underwriting

We can work with credit scores as low as 580.

Down payment assistance to fill the gap.
Self-Help is an approved lending partner for:
  • up to $20,000 Atlanta Housing's Down Payment Assistance program
  • up to $20,000 Invest Atlanta programs
  • up to $17,500 Federal Home Loan Bank of Atlanta's First-Time Homebuyer Product
  • up to $10,000 Gwinnett County Homestretch program

Not every buyer will be eligible for assistance, and each program has restrictions. But our team will help you identify and apply for every dollar of down payment assistance you qualify for!

Self-Help borrower and first-time homeowner Wonderly Feathers

Equity Boost loan details and eligibility*
Program Details
  • LTV up to 105%. Closing costs can be rolled into the loan.
  • 1% minimum borrower contribution.
  • Minimum credit score 580, and we can work with alternative credit histories.
  • Affordable rates and no PMI.
  • We'll contribute $2,000 to help the buyer jump-start a home maintenance savings account.
  • Can be combined with down payment assistance if available.
  • Eligibility: First-generation homebuyer or income below 80% of Area Median Income (AMI).

*Income and purchase price limits apply.

Flexible mortgage options

For buyers who don't qualify for Equity Boost, we offer a variety of other mortgage options, including:

  • FHA loans
  • VA loans
  • 100% LTV loans for credit scores of 620+
  • Standard portfolio loans with 3% down payment for credit scores of 580+

Connect with our team today. We'll find the right product for your client!

Have clients who aren't quite mortgage-ready?

We specialize in working with buyers for the long term. We offer free one-on-one financial coaching — including individualized FICO credit score coaching — to help our members get to their goals.

If you have clients who need a little help with their credit before they'll be ready to buy, send them our way. We're here to help.

Connect with our experienced home loan team today.

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