About Us

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3.5% grant available for your down payment & closing cost.  Purchase your new home with nothing down!

Get Up To 5% In Free Money To Be Used For Your Down Payment & Closing Cost!

Let's see if you're eligible!


We're here to answer all of your questions about down payment assistance!

Frequently Asked Questions

You may be eligible with credit scores down to 600! Don’t worry if you are below that number. Our licensed loan officers can work with you on your score. Our loan officers are well versed in working with many homeowners regarding their credit scores.

You do NOT have to be a first-time homebuyer in order to be approved for down payment assistance. It is only required that the home you are purchasing will be your primary residence.

Your income must be less than 160% of your area median income. Our licensed loan officers can check the limits for the are you are purchasing in extremely fast.  We can give exceptions if you make over the 160% of the area median income. 

This program is available in 48 states! Not available in Washington or New York. 

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You can use this grant with the FHA & USDA programs.

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Second mortgage is due and payable upon sale, refinance or payoff of First mortgage if balance is not paid off.

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  • 10 year term.
  • Note rate of the grant is 2% above the first lien rate amortized over 10 years!
  • 10 year amortizing loan with monthly payments.
  • 300k FHA, 3.5% down payment is $10,500 with current rate of 6%. ($10,500 grant payment will be 8% or $127/month over 10 years.

NMLS #46375 3838 Camino del Rio N Suite 305, San Diego, CA 92108. CalCon Mutual Mortgage LLC, dba HyperSmart Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. This is an Advertisement.

Privacy Policy | Location & Licensing

NMLS Access

Robert Cotton/SENIOR LOAN OFFICER, NMLS# 380484

TX: Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the departments website. A toll-free consumer hotline is available at 877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. Written
application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the departments website.