Click n’ Close has partnered with a non-profit to expand homeownership opportunities nationwide. This down payment assistance (DPA) program, SmartBuy™, combines a USDA or FHA-insured 30-year first mortgage with a second lien that is either fully forgivable after 5 years OR a 10-year repayable second lien. The second lien funds available through both options meet FHA’s minimum required investment guidelines and can be used by the borrower towards their down payment and/or closing costs. Click n’ Close has also launched its own proprietary Shared Appreciation Mortgage program and added the FHA 203k limited product to be combined with the DPA SmartBuy™ program.

Make Your Client’s Next Buy a SmartBuy™

DPA funds meet FHA and USDA minimum required investment.
Up to 5% of purchase price can be used towards borrower’s down payment, closing costs, or to lower the rate on the underlying mortgage.
No income or first-time homebuyer restrictions
Program is available nationwide.
Repayable 10-year option can have 10-, 20- or 30-year amortization to help lower the borrower’s monthly payments.
Forgivable 5-year option has ZERO interest and NO payments.
Our Shared Appreciation Mortgage offers a below market interest rate while still allowing the borrower immediate access to DPA funds.
Our FHA 203k Limited product is available for borrowers needing to make home renovations.
We allow Temporary Interest Rate Buydowns to help lower the borrower’s payments for the first 2 years.