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Introducing SmartBuy™ Down Payment Assistance Program

Flexible, nationwide DPA powered by Click n’ Close Correspondent Lending 

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 Our flagship SmartBuy™ program is engineered to remove outdated barriers, streamline delivery, and expand access to homeownership for more borrowers—all while simplifying your process.

Happy family holding house keys, symbolizing expanded homeownership access through SmartBuy™ DPA solutions

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.

Latest Announcements & Insights

Stay up-to-date with the latest news, product enhancements, and program changes from Click n’ Close™ Correspondent Lending. From SmartBuy™ expansions to shared appreciation innovations, our Announcements page is your source for key updates.

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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