Nationwide Down Payment Assistance · NMLS# 667008
Down payment assistance that is not tied to a county or state housing agency. Flexible qualifying, a 600 minimum credit score, and no income limits. Available in the states where I am licensed. This is one of the assistance programs I close most often.
Not ready to apply yet? Get Prequalified · Call (520) 495-8989
Prequalification is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Benefits
Many assistance programs are run by a county or state housing agency, with income limits and local rules. Some buyers earn too much for those programs. Others carry student loans, car payments, or other debts that make ratios tight. This program was built with more flexible qualifying.
Designed to work for more buyer profiles than many government-agency programs.
You do not need perfect credit. A 600 score or higher can work.
Over the income limits for other programs? Income limits are not a barrier here.
No program DTI overlay. Many down payment assistance programs cap debt-to-income at 45% to 50%. This one follows automated underwriting approval instead.
Not tied to a county or state housing agency. Available in the states where I'm licensed (see Licensing).
Assistance amounts, repayment terms, and eligible loan types can change. Ask Andy for current terms.
Rates
Rates change daily, so I send today's rate to you personally. Your rate depends on your credit, loan type, and the assistance option you choose.
Not a commitment to lend or a rate lock. Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change. Available only in states where Andy Braun (NMLS #667008) and Neighborhood Loans are licensed. See Licensing.
Compare
Some areas also have local programs worth comparing. In Pima County, Arizona, see the Pima-Tucson Homebuyer's Solution and the Mortgage Credit Certificate. In Texas, see TSAHC programs. I will lay the options side by side so you can pick the best fit. Back to the DPA hub.
FAQ
Buyers who want help with the down payment and need flexible qualifying. It can be a strong fit if your income is above the limits of other assistance programs, or if your debt-to-income ratio is on the higher side, with a credit score of 600 or higher. Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change.
No. There are no income limits on this program. Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change.
The minimum credit score is 600. Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change.
No program DTI overlay. Many down payment assistance programs cap debt-to-income at 45% to 50%. This one follows automated underwriting approval instead. Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change.
No. It is available nationwide and is not tied to a county or state housing agency. It is available in the states where I am licensed. See Licensing or my NMLS #667008 record on NMLS Consumer Access.
Assistance amounts, repayment terms, and eligible loan types are set by the program and can change. Ask Andy for current terms, and I will walk you through every detail before you choose.
Send me your details. I will review your scenario and share current terms.
In-house DPA program: Subject to credit approval and program guidelines. Not all applicants will qualify. Terms subject to change. Assistance amounts, repayment terms, eligible loan types, and availability are set by program guidelines and may change without notice.
Program availability, terms, interest rates, income and purchase price limits, and assistance amounts are set by each program administrator and can change or end at any time without notice. Assistance funds may be limited. The information on this page was checked against the official program sources linked above on October 16, 2026. It is general education only. Always confirm current guidelines with me before you make decisions.
This is not a commitment to lend, a loan approval, or a rate lock. All loans are subject to credit approval, underwriting, property eligibility, and program guidelines. Not all applicants will qualify. Rates shown on official program pages are not offered by this website and may not be available to you.
The Pima-Tucson Homebuyer's Solution is offered by the Industrial Development Authorities of the County of Pima and the City of Tucson and administered by eHousingPlus. The Mortgage Credit Certificate program for Pima County is funded by the Pima County Industrial Development Authority and administered by Community Investment Corporation (CIC). Homes for Texas Heroes and Home Sweet Texas are programs of the Texas State Affordable Housing Corporation (TSAHC). These agencies do not endorse any lender. Andy Braun and Neighborhood Loans are not government agencies.
Andy Braun, Senior Loan Officer | Sales Manager, NMLS #667008, AZ LO-1006099. Neighborhood Loans, Inc. NMLS #222982, AZ BK 1004602. Licensed in Arizona, Texas, and California. Equal Housing Lender. Verify licensing at nmlsconsumeraccess.org.
Program rates change daily. I will send you today's rate for this program personally.
Not a commitment to lend or a rate lock. Rates depend on your credit, loan type, and program option.
