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The First Home Loan Program
"Where Hope Becomes Homes"

For many first time homebuyers purchasing their first home is almost within reach - but not quite. Here's where we can help. Our First Home Loan Program can help bridge the gap between how much you have to spend and what you need to spend and also help you purchase more of a home then you could on your own.

We've already helped hundreds of households to get over the hurdles to home ownership. If you're income qualified and willing to take a few simple steps were ready to partner with you.

Here is what we offer:

  • If you meet our income qualifications, we can provide a "silent second" mortgage loan up to $40,000 of the purchase price of your home purchase.
  • We can defer payment on the loan for up to 30 years.
  • This will allow you to borrow less from your first mortgage lender and help keep your payments low and affordable.
  • You will pay us back if you refinance, sell your home, change the use of your property, or at the end of a 30 year period.

Columbia Non-Profit Housing