Dream Home Fund is a faith-rooted 501(c)(3) nonprofit that pairs a silent-second down payment assistance loan with your first mortgage. Borrowers who would otherwise walk become closings. No enrollment fee, no exclusivity, no overhead on your side.
Down payment is the single most common reason your qualified buyers don't close. We make it easy to offer DPA as part of your loan package without restructuring how you operate.
Borrowers who can afford the monthly payment but can't reach the down payment become buyers instead of permanent renters. Your conversion improves; theirs does too.
No enrollment fee, no per-loan fee, no membership cost. The silent second is a separate loan funded by our capital partners, not by you.
The silent second sits cleanly behind FHA, conventional, and most VA / USDA first mortgages. Disclosure follows standard subordinate-lien practice. Most LOs pick it up in one call.
Four steps from first conversation to originating with DPA in the package.
Drop us a note via the contact form or email. Tell us about your shop: markets you serve, product mix, monthly origination volume, and what brought you here. We respond within 1, 2 business days.
We walk through the silent-second structure, coordination workflow, disclosure requirements, and the simple onboarding paperwork. Bring your questions; this is where most of them get answered.
Short memorandum of understanding, basic KYC and compliance check, contact assignments on both sides. We share underwriting criteria, submission templates, and a sample borrower flow. Typically wraps within a week.
Your team works the first mortgage as usual. When a borrower needs DPA, you submit to us in parallel. We underwrite the silent second independently, issue a decision, and wire funds directly to escrow at closing. Quarterly reporting flows back to your team.
Clear expectations on both sides, up front.
The questions most loan officers ask in the first call.
Operational documents for enrolled lenders and lenders evaluating enrollment.
Tell us about your shop and we'll set up an intro call. There's no commitment in reaching out, and onboarding moves fast once we connect.
Lender enrollment is offered at Dream Home Fund's discretion and is subject to review, KYC and compliance checks, and execution of a memorandum of understanding. Nothing on this page constitutes an offer to enroll, a commitment to fund, or a guarantee of any specific outcome. Dream Home Fund is not a mortgage lender; the silent second is a junior-lien down payment assistance product. All DPA approval decisions are made independently by Dream Home Fund. Dream Home Fund's HUD-Approved Nonprofit Roster approval is in progress; originations begin once approval is in effect. Equal Housing Opportunity.