Unlock Your Dream Home with Swiftly Loans
We’re here to help you reach your goal of Home Ownership
At Swiftly Loans, we make it easier for first-time homebuyers to step into their dream homes. With tailored programs offering low down payments, grants, and flexible options, we’re here to guide you through every step of the homebuying process. Take advantage of our specialized mortgage solutions and expert advice to make your first home purchase smooth and stress-free.
HomeOne® Mortgage Program
Swiftly Loans Inc. offers the HomeOne® Mortgage Program, designed to help more first-time homebuyers achieve their dream of homeownership with a low 3% down payment.
Key Features
- High Loan-to-Value (LTV): Finance up to 97% of the home’s value.
- No Income Restrictions: Available to a broad range of borrowers.
- Geographical Flexibility: Accessible in all geographic locations.
- Property Types: Eligible for single-family homes, including townhouses, condos, and manufactured homes.
- First-Time Homebuyer Requirement: At least one borrower must be a first-time homebuyer.
- Manufactured Homes, Co-ops, and PUDs: Available with LTV up to 95% for single- and multi-wide manufactured homes, and PUDs.
- Temporary Rate Buydowns: Lender and seller paid options available.
Benefits
- Low Down Payment: Just 3% down makes homeownership more accessible.
- Flexibility: No income limits and available across all regions.
- Diverse Property Options: Includes various types of homes, ensuring a fit for different needs.
- First-Time Buyer Focus: Specifically designed to help first-time homebuyers enter the market.
Get Started Today! Contact Swiftly Loans Inc. to see if you qualify for the HomeOne® Mortgage Program and take the first step towards your new home.
HomeReady® First Mortgage Program
The HomeReady® First program is an excellent choice for first-time homebuyers looking for additional financial assistance and incentives.
Borrower Benefits
- $5,000 Grant: Receive a grant to help with your down payment and closing costs.
- Home Warranty: Up to $500 toward a 1-year home warranty.
- Appraisal Costs: Up to $500 toward appraisal expenses.
Eligibility Requirements
- Census Tract: Borrower’s current primary residence must be in an eligible census tract. Use our HomeReady® First eligibility tool to check.
- Metropolitan Statistical Areas (MSAs): Check the list of eligible MSAs to determine if your area qualifies.
Program Highlights
- Conventional Loan Options: Suitable for borrowers looking to purchase with a low down payment or refinance with limited equity.
- High LTV: Finance up to 97% of the home’s value, including for first-time homebuyers.
- Reduced Mortgage Insurance: Save on monthly mortgage insurance premiums.
- Gift Funds: Eligible for the entire down payment, making it easier to get started.
- Property Types: Available for single- and multi-wide manufactured homes, condos, and PUDs.
- Temporary Rate Buydowns: Options available.
Check Your Eligibility! Contact Swiftly Loans Inc. to see if you qualify and start your journey towards homeownership today.
