{"id":6791,"date":"2024-09-04T12:15:27","date_gmt":"2024-09-04T16:15:27","guid":{"rendered":"https:\/\/mortgageequitypartners.com\/delaware\/?p=6791"},"modified":"2024-09-04T15:09:51","modified_gmt":"2024-09-04T19:09:51","slug":"meps-advantage-dpa-program-is-ideal-for-home-buyers","status":"publish","type":"post","link":"https:\/\/mortgageequitypartners.com\/delaware\/delaware-state-housing-authority-down-payment-assistance","title":{"rendered":"Delaware State Housing Authority down payment assistance"},"content":{"rendered":"<div class=\"gca-column one-half first\"><h2>Kiss your landlord goodbye!<\/h2>\n<p>Homeownership is a dream for many, but financial barriers can make it seem out of reach. Fortunately, the Delaware State Housing Authority (DSHA) offers a variety of loan and down payment assistance programs to help both first-time and repeat homebuyers achieve their dreams. So, whether you are just starting out or need a bigger home, these programs aim to make the homebuying process more affordable and accessible. Mortgage Equity Partners is a trusted participating lender with DSHA.<\/p>\n<p>The <a href=\"https:\/\/kissyourlandlordgoodbye.com\/help-for-homebuyers\/\" target=\"_blank\" rel=\"noopener\">Delaware State Housing Authority (DSHA)<\/a> offers 30-year fixed-rate mortgages at highly competitive rates. Qualified buyers often get mortgage interest rates at or below the industry average.<\/p>\n<p>If you are a first-time homebuyer who hasn&#8217;t owned a home in the past three years, you may qualify for the Welcome Home Program. The Welcome Home Program offers a Smart Start unassisted first mortgage that can be combined with four different second mortgage options through the Welcome Home Program.<\/p><\/div><div class=\"gca-column one-half\"><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_1_5'><div class='gchoice gchoice_1_5_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_5.1' type='checkbox'  value='Yes'  id='choice_1_5_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_5_1' id='label_1_5_1' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_1_5_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_5.2' type='checkbox'  value='No'  id='choice_1_5_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_1_5_2' id='label_1_5_2' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_1_6\" class=\"gfield gfield--type-text gfield--input-type-text field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  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See our <a href=\"\/privacy-policy\" target=\"_blank\">Privacy Policy<\/a>.<\/i><\/p><\/div><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_1' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Submit'  \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_1' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_1' id='gform_theme_1' value='gravity-theme' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_1' id='gform_style_settings_1' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_1' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='1' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='+11rCz7AbU15mTclZyXxkSPVwiE3xX0qpZT9iemZidQPYW0\/6aemLYGguIhqt7\/QEB9fYLUpA50DbUvM\/B66Wt2GKIKMXxy29I3lBS0xZJAl5J4=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_1' value='WyJbXSIsImIxYWIzZDBhZDA3MWVlMGI4YzU3ODc4Yzc0MDk0NWFjIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_1' id='gform_target_page_number_1' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_1' id='gform_source_page_number_1' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div><script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 1, 'https:\/\/mortgageequitypartners.com\/delaware\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_1').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_1');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_1').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! 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We have flexible underwriting, low down payments and highly experienced professionals who can give you expert advice!&#8221;<\/p><\/blockquote>\n<h2>Welcome Home: First-Time Homebuyer Program<\/h2>\n<h4>Home Sweet Home<\/h4>\n<p><strong>Type:<\/strong> Funding is limited, and once it is gone, the program will end until new funding is released the following year.<br \/>\n<strong>Benefits:<\/strong> Offers a zero-interest, forgivable second loan of $12,000<br \/>\n<strong>Terms:<\/strong> The loan is forgiven after 10 years if the homeowner remains in the property<br \/>\n<strong>Sales Price Cap:<\/strong> Homes with a maximum sales price of $285,000<\/p>\n<h4>Delaware Diamonds Home Loan<\/h4>\n<p><strong>Type:<\/strong> Funding is limited, and once it is gone, the program will end until new funding is released the following year.<br \/>\n<strong>Target Audience:<\/strong> Specific professionals, including state employees, healthcare workers, and first responders.<br \/>\n<strong>Benefits:<\/strong> Provides a zero-interest, forgivable second loan of $10,000<br \/>\n<strong>Terms:<\/strong> Loan is forgiven after 10 years of residency<\/p>\n<h4>First State Home Loan<\/h4>\n<p><strong>Benefits:<\/strong> Offers a zero-interest second loan, providing 3% of the final loan amount of the first mortgage<br \/>\n<strong>Terms:<\/strong> Debt is deferred until the mortgage is refinanced, the home is sold, or the title is transferred<\/p>\n<h4>Diamond in the rough<\/h4>\n<p><strong>Benefits:<\/strong> Offers a zero-interest second loan, providing 3% of the final loan amount of the first mortgage<br \/>\n<strong>Terms:<\/strong> Debt is deferred until the mortgage is refinanced, the home is sold, or the title is transferred. Must qualify for FHA 203K Limited Program.<\/p>\n<h2>Home Again: Repeat and First-Time Homebuyer Program<\/h2>\n<p>The Home Again program is open to repeat and first-time homebuyers. It is a wonderful option for borrowers who exceed the income limits for the previously mentioned Welcome Home Program. Borrowers using this program must follow the purchase price limits for single-family homes in non-targeted and targeted areas. They can apply for The Smart Start unassisted first mortgage and combine it with one of the four down payment and closing cost assistance options listed above. There are some additional features and benefits that you can review with your loan officer to see which program is best for you.<\/p>\n<p>The mortgage programs through DSHA provide opportunities for Delaware residents looking to buy a home. Whether you&#8217;re a first-time buyer or looking to purchase again, these programs can help turn your dream of homeownership into reality. Contact your <a href=\"https:\/\/mortgageequitypartners.com\/delaware\/our-team\/\">authorized DSHA loan officer<\/a> at Mortgage Equity Partners today to learn more about these generous programs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeownership is a dream for many. DSHA offers loan and down payment assistance programs to help first-time and repeat homebuyers achieve their dreams.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"profile","_genesis_custom_post_class":"","_genesis_layout":"full-width-content","footnotes":""},"categories":[6,4],"tags":[],"class_list":["post-6791","post","type-post","status-publish","format-standard","category-articles","category-news","entry","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/posts\/6791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/comments?post=6791"}],"version-history":[{"count":0,"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/posts\/6791\/revisions"}],"wp:attachment":[{"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/media?parent=6791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/categories?post=6791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/delaware\/wp-json\/wp\/v2\/tags?post=6791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}