Regardless of credit · 100% acceptance · $0 down with our assistance programs
Buying your first home shouldn't depend on figuring everything out alone. We bring credit guidance, lender matching, assistance programs, education, and REALTOR® introductions together in a single coordinated experience.
Every buyer receives a roadmap tailored to their financial situation — not a generic checklist, but a specific sequence built around where you are today.
Credit guidance, lender matching, assistance programs, education, and REALTOR® introductions — brought together so nothing falls through the cracks.
We stay with you from your first assessment until you've purchased your home. Questions don't stop after approval — and neither do we.
Every applicant is assigned a program advisor and follows the same four-phase process. Most participants are under contract within 90 days of completing their profile.
Complete the application and pay the one-time program fee. You'll be directed immediately to our scheduling page to book a call with your assigned advisor — available within 24–48 hours.
On your advisor call, we build a homeownership plan specific to your situation and identify down payment assistance programs in your area — grants and forgivable loans applied directly at closing.
We connect you with a partner lender suited to your credit profile. Our network accepts buyers starting at a 500 credit score. If your score requires additional preparation, we refer you to a licensed credit partner first.
Move through pre-approval, home selection, and closing with your advisor available throughout. Participants who close using a US Home Program partner lender receive a full refund of the program fee.
Every participant receives the following as part of their enrollment.
A sequenced plan built around your credit, savings, and target timeline — not a generic checklist.
Identification of DPA programs you qualify for across 2,000+ federal, state, and local options — grants and forgivable loans included.
Connection to a vetted lender matched to your credit tier — including options for buyers starting at 500.
Referral to a licensed credit repair partner if your score requires improvement prior to mortgage qualification.
A dedicated session with your assigned program advisor to review your situation and confirm next steps.
Access to buyer education resources, available homes in your area, your lender directory, and program materials.
"I had a 511 credit score and two collections on my report. Every lender I contacted turned me away. Within 60 days of enrolling I had a lender who would work with me. I closed four months later."
"The DPA match covered my entire down payment — $8,400 I didn't have to come up with. I didn't know programs like that existed. I cried when I got the keys."
"I'd tried to buy on my own twice and got denied both times. The roadmap they put together was the first time the process made any sense to me. Closed in 78 days."
"My credit was a mess after a divorce. The credit partner referral got me from 498 to 591 in about 10 weeks. We're under contract right now."
"My income was solid but my credit wasn't. The lender they matched me to evaluated the full picture. Pre-approved in three weeks."
"I came across the listing and wasn't sure what to expect. Decided to apply. Best decision I made this year. Closing next month on a 3-bedroom in Riverside."
Every service in our program — credit repair, credit monitoring, and mortgage lending — is fulfilled by vetted, licensed professionals. Participants work directly with established specialists, not generalists.
No. US Home Program is a private homeownership readiness service. We are not affiliated with any government agency or federal housing program. Down payment assistance funds come from third-party federal, state, and local programs — we match participants to those programs but do not administer them.
No. Every applicant is accepted into the program regardless of credit score. Our partner lender network works with buyers starting at 500. If your score requires improvement before mortgage qualification, we refer you to a licensed credit repair partner as part of your roadmap.
Down payment assistance programs — operated by government agencies and nonprofits — provide grants and forgivable loans that cover your down payment at closing. Availability varies by state, county, and buyer eligibility. We match you to the programs you qualify for and help you apply. Funds are disbursed directly at closing, not through US Home Program.
The one-time program fee is $95. It covers your personalized roadmap, DPA matching, partner lender introduction, credit referral if needed, your advisor call, and full portal access. Participants who close on a home using a US Home Program partner lender receive a full refund of the fee at closing.
For buyers with a credit score of 580 or above, 90 days is a realistic target. For buyers who need credit preparation first, the 90-day period begins once your profile is mortgage-ready. Your advisor will provide a specific timeline estimate on your call.
Most participants enroll 3–12 months before they intend to close. The program is designed to accommodate preparation timelines — credit improvement, savings goals, and market timing are all factored into your roadmap.
No. Participants are free to work with any licensed lender or real estate professional. The program fee refund at closing is contingent on using a US Home Program partner lender. Our network lenders are specifically vetted for buyers at each credit tier.
Additional questions? Submit your application and ask us directly.