The Partner You Need in a Shifting Market
At Click n’ Close™ Correspondent Lending, we help you stay competitive in today’s affordability-constrained housing market with scalable, flexible DPA solutions. Our flagship SmartBuy™ program is engineered to remove outdated barriers, streamline delivery, and expand access to homeownership for more borrowers—all while simplifying your process.
Expanding Access to Homeownership
As interest rates climb and housing inventory shrinks, achieving homeownership has become increasingly difficult. SmartBuy™ makes it possible by offering flexible down payment assistance without income or first-time buyer restrictions—empowering more borrowers to achieve their dreams.
Explore SmartBuy™
Our Leading DPA Program for Correspondent Lenders
SmartBuy™ was built for today’s evolving borrower—dual-income households, professionals with student debt, and creditworthy renters priced out of the market.
SmartBuy™ DPA Program Highlights
No income restrictions or first-time homebuyer requirements
Fully delegated with AUS for faster approvals
2-1 interest rate buydowns available
Available nationwide
(excluding NY)
Supports eNotes and eMortgages
Forgivable or repayable second lien options
Now Offering
Shared Appreciation Mortgage (SAM) Solutions
SmartBuy™ isn’t the only way we’re expanding access. SAM offers borrowers upfront savings—like reduced interest rates or purchase assistance—in exchange for a portion of future home appreciation. It delivers long-term affordability without relying on temporary buydowns or high-risk debt structures.
Download our article, Evolving Strategies for Affordable Lending: The Rise of DPA and Shared Appreciation Models, to explore how SAMs are helping lenders expand access and drive long-term borrower value.
Or, Contact Us to get started.
A Seamless Fit for Correspondent Lenders
We’ve streamlined onboarding, eligibility, and delivery to make offering SmartBuy™ as efficient as it is effective. From automated approvals to integrated servicing support, we make it easy for your team to originate more loans—backed by scalable tech and responsive support.
Ready to Offer Smarter DPA?
Discover how Click n’ Close™ Correspondent Lending can help you grow your business and reach more borrowers with SmartBuy™. Whether you're just getting started or scaling up, we’re here to support your success.
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Loan Transferred to Click n’ Close™?
If your loan has been transferred to Click n’ Close™, our Servicing Team is here to help.
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Trusted by Top Mortgage Associations and Integrated with Leading PPE Platforms
