HomeEasy by Semper Home Loans
Easy 100 Down Payment Assistance Program
Down Payment Assistance Program
An easier path to homeownership
Program Overview
An Easy solution for homeowners looking to purchase a home with ZERO down payment. Qualification focuses on the borrower’s ability to repay based on IN-HOUSE common-sense UW
See if you qualify
You can see if you qualify for our Easy 100 DPA program in less than 60 seconds.
Program Highlights
  • Loan Amounts up to 647,200
  • Income Limits are Greater of the 160% (SMI) State Median Income or AMI (Area Median Income)
  • 1-2 Units are eligible
  • Rent can be used to qualify
  • Standard FHA Loan Guidelines
  • Minimum credit score 600
  • No Debt-to-income restrictions (AUS Approval Required)
  • No First-time Homebuyer Requirement
  • Close in 30 days or less
  • No State agency involved. 100% in-House underwritten, funded, and serviced!
3 simple ways to get Easy 100 DPA approved
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Apply with Semper Home Loans
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Speak with a loan consultant now.
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Make an appointment to talk later
Homeownership starts here
Buying a home as a first-time homebuyer can seem daunting, and that's why we're here to help. We will help you learn how to save and prepare for your home purchase, connect you with real estate professionals, teach you the mortgage process, and so much more.
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Mortgages for first-time homebuyers
100 DPA is the easy solution for first-time buyers, and we're here to help you through the process.
Other features and benefits
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Offered to you free of charge
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Tracks your progress so you can pause and resume anytime, anywhere
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Provides a 15-question end of course quiz, which you can take as many times as needed to pass
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Takes 3-4 hours to complete all 7 modules
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Accessible from your desktop, tablet or mobile device
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Return to your course anytime to use the tools and information as a resource, as often as you’d like
Join us today
If you want to work with a lender with multifaceted lending products as an approved realtor, we invite you to join our team.
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About us
Semper provides all homebuyers with the tools and information needed to achieve homeownership. We believe that a well-informed homebuyer is a more powerful homebuyer, and we're here to help you.
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Need help? Call us: (866) 604-5130
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(866) 528-2814
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Equal Housing Lender
Equal Housing Lender | © 2010-2022 Semper Home Loans, Inc. NMLS #1053 www.nmlsconsumeraccess.com

Semper Home Loans is an Equal Opportunity Employer. Semper Home Loans does not discriminat on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

Licensed in the following states: AL, AZ, CA, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, LA, ME, MD, MA, MI, MT, NB, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WY

Rates are subject to change at any time and without notice. To ensure you have the latest rates, we update them in real-time.

Interest rates and APRs are for informational purposes and do not include all applicable fees. Your actual rate, payment, and costs may differ.

Semper Home Loans does not charge an origination fee. The one-time cost shown include points/credits and third-party fees. An escrow deposit, pre-paid interest and other charged may be required depending on your situation.

Monthly payments do not include taxes and insurance premiums. Your actual monthly housing expenses will be higher.