Step One:
Inform, Identify and Correct

First, we get to identify your goals, financial history, and credit status.

Second, we pair you with industry leaders that’ll help you solve any credit issue.

Then, it’ll be time to decide what would be the best course of action to succeed.
What you will learn:
- 1How to keep your savings
- 2How to supplement your existing income.
- 3List Element
Step Two:
Roadmap to Home-Ownership

In this phase, you’ll work with an AFTHA case manager, that’ll call you within 24 hours.

This assistant will draft and help you execute a personalized plan.


Last, you’ll be matched with a local realtor for further development.

Step Three:
Let’s Buy a House
At this point, you’ll be ready to apply for financing.
And with the support of your assigned realtor,
you’ll find the perfect home.
One that meets all your needs, a new promising beginning.
First Time Home Buying Programs For You
Look out in your area for some of the platforms that are helping thousands of American families like yours, the boost you really need to buy the first home.

FHA Home Loan Program
- 1A platform that helps buyers with some money saved but a low credit score.
- 2580 or higher FICO score = 35% down payment.
- 3580 or lower FICO score = 10% down payment.
- 4Fact: FHA loans help more first-time home buyers than any other program available.

USDA Loans
- 1Destined for average income home buyers in rural areas.
- 2Provided by the U.S. Department of Agriculture.
- 3No downpayment required for this one.
- 4And are less expensive than FHA Loans
- 5Fact: Almost 97 percent of the US is an eligible USDA location.

VA Loans
- 1Its name comes from the Veterans Administration.
- 2Offers great benefits to active and retired military personnel.
- 3No downpayment required for this one.
- 4No mortgage insurance required also.

203k Rehab Loans
- 1Directed to properties that are in a compromised condition.
- 2Great for those who see great opportunities in homes that need minor repairs.
- 3To qualify, you’ll need a credit score of 640.
- 4Fact: The requirements are very similiar to a FHA loan.

Conventional 97% LTV 3% Down Program
- 1These come from large government subsidized companies.
- 2Have very little down payment costs.
- 3Allows down payments that are gifts from family or friends.

Good Neighbor Next Door Program
- 1Provided by the Department of Housing and Urban Development (HUD).
- 2Great for teachers, firefighters and police officers.
- 3You can find available properties in your area right on their site.

HUD Dollar Home Program
- 1Also provided by the HUD.
- 2Able to sell foreclosed FHA homes at a very low-cost for the consumer.
- 3Designed to help revitalize communities for low-income families.

Home Ready Home Path Mortgage
- 1You’ll need to take the required buyer education course first.
- 2Then, you can receive 3% towards your downpayment .
- 3This program secures the full amount you’ll need for closing.
- 4Exclusive for first-time home buyers who are looking for their primary residence.

Native American Direct Loan
- 1Designed for Native American Veterans only.
- 2Allowing the oppotunity to buy a property in a recognized trust land.
We love to hear success stories
So if you don’t mind sharing, send us your story and pictures of the new house. Also, if you know anyone who may benefit from any of our services. Send them our way, we are always happy to help.