For qualified buyers, assistance programs can help cover the down payment that's standing between you and your first home.
Saving the down payment is the single biggest hurdle for many otherwise-ready buyers. Down payment assistance programs — layered on top of an FHA or conventional first mortgage — can help close that gap for borrowers who qualify.
Because Atlantic is a brokerage, we can match you to the assistance program and first-mortgage pairing that actually fits your county, your credit profile and your goals — rather than forcing you into one bank's single option.
Bridge the down-payment gap standing between you and your first home.
Many programs aren't limited to first-timers — qualified repeat buyers can use them too.
Strong income but thin savings? Assistance can cover part of what you need up front.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
Not always. Some programs are first-time-buyer only; others are open to repeat buyers. We'll match you to one you qualify for.
It depends on the program — some are forgivable, some are repayable second liens. We'll explain the structure and trade-offs.
Yes — most assistance layers on top of an FHA or conventional first mortgage.
Amounts and terms vary by program and county. Because availability changes, the fastest answer is a short call.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.