HI, I'M

Tom Santos

Your DPA Loan Expert!

Dreaming of owning a home but unsure about upfront costs?A Down Payment Assistance (DPA) loan could be your ideal solution!

Who is this mortgage loan for?

*subject to conditions

"Guaranteed Rate, Inc. has no affiliation with the US Department of Veterans Affairs. Conditions apply."

OUR REVIEWS

567,123 reviews

From real customers like you

4.9/ 5.0

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Jonathan T

11/18/2022

I worked with Ryan on a quick transaction in Long Beach - he was incredibly thorough and knew the in's and out's to navigate a turning market. We worked through a handful of nuances with the closing process in order to meet an expedited timeline. He was transparent and always available to address any questions. Despite the already quick timeline, Ryan worked to get me closed an entire week earlier than I expected; would definitely recommend!

Bethlehem, Georgia

09/08/2022

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Bethlehem, Georgia

09/08/2022

“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022

“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022

“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Bethlehem, Georgia

09/08/2022

“ Lorem ipsum dolor sit amet consectetur. Amet nunc sagittis metus libero aliquet eget. Facilisis dignissim purus enim eu. Feugiat nam turpis faucibus faucibus ullamcorper morbi diam viverra a. ”

Down Payment Assistance

A DPA loan eases home purchase by assisting with the down payment, making homeownership more accessible and affordable for many.

No Monthly Payments

DPA loans offer a more budget-friendly alternative for borrowers facing challenges in saving for a down payment, as they eliminate the need for monthly payments.

No interest charges or prepayment penalties

With an FHA loan, qualified home buyers can potentially purchase a home with as little as 3.5% down.

FEATURES & BENEFITS

Finally, A Better Home Buying Solution For Low-Income Buyers

DPA, or Down Payment Assistance, helps homebuyers with upfront costs and offers significant benefits. These loans offer notable advantages that can greatly benefit individuals in their homebuying journey.

HOW IT WORKS

Unlock The 5 Keys To Navigating Your DPA Loan!

Ready to make the most of your DPA Loan?Dive into our 5-part video series to discover how to navigate the process like a pro. 🚀

Want to Buy a Home but Can’t Afford the Down Payment? You’re Not Alone

DPA Loans: Making the Home of Your Dreams, One Step Closer

How DPA Loans Work and Who Qualifies

How to Apply for a DPA Loan

How to Get Started with a DPA Loan Today

WEBINAR

How to get started Guild mortgage webinar lorem ipsum

Unlock the Full Potential of Your Mortgage Advisor sales force with WOWMI's Comprehensive Suite of AI-Powered Marketing Tools and Strategies

*Plus, Get your free VA guide for your next loan!

WEBINAR

How to get started Guild mortgage webinar lorem ipsum

Unlock the Full Potential of Your Mortgage Advisor sales force with WOWMI's Comprehensive Suite of AI-Powered Marketing Tools and Strategies

Tom Santos

Arbor Financial Group

/Webinar Host

Why you should attend

Increased Reach

Help to increase brand awareness and generate leads from audience

Increased Reach

Help to increase brand awareness and generate leads from audience

Increased Reach

Help to increase brand awareness and generate leads from audience

CALCULATE

Estimate your monthly mortgage payment

With a DPA loan, you can get a portion, or all of your down payment covered, which means you don't have to come up with as much money out of pocket.

Enter your loan pricing needs below and we’ll calculate your estimated loan payment.

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Your estimated monthly payment

$4566

This result is just an estimate. For a more detailed report Schedule a complimentary consultation today.

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This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.

Your actual rate, payment and costs could be higher. Guaranteed Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate. Guaranteed Rate, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

APPLICATION PROCESS

We Simplify The Process, So You Can Maximize Your Results.

If you’re looking to buy a new home, but not sure you can afford the down payment and closing costs, a DPA Loan could be right for you. To get started, you’ll just need to follow a few simple steps:

Schedule Consultation

1

Initial Documentation

First you'll need to provide information about your income, employment history, and credit score to your mortgage advisor. You'll also need to provide documentation showing that you meet the eligibility requirements for the DPA program you're applying for.

2

Application Review

Once you've completed the application and provided all the necessary documentation, your lender will review your application and determine whether you qualify for a DPA loan.

3

Approval

If you're approved, you'll receive an offer outlining the terms of the loan, including the interest rate, repayment period, and any other fees or charges.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.

SCHEDULE CONSULTATION

Ready to apply for a DPA Loan?

Getting approved for a DPA Loan begins with taking a look at your unique situation and then building a roadmap to help get you to homeownership. Schedule a consultation today to start!

Schedule Consultation

Schedule Consultation

QUESTION & ANSWERS

We’re here to find you the answers you need

GET QUOTE

Want To Learn More About DPA Loans?

Starting your road to homeownership is literally a click away. Start today!

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LET’S GET STARTED!

Ready to apply for your home financing loan?

LET’S GET STARTED!

Ready to apply for your home loan?

Your path to ownership is just one click away! Schedule a complimentary consultation now so we can take a look at your specific needs and find the perfect home loan for you!

Schedule Consultation

*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287
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Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.

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Getting approved for a VA loan begins with taking a look at your unique situation.

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Getting approved for a VA loan begins with taking a look at your unique situation.

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