Down Payment Assistance Programs 2026: Find Grants & Apply

Saving for a down payment is one of the biggest barriers to homeownership.

Many buyers have stable income and good credit but struggle to accumulate the thousands of dollars typically required upfront to purchase a home.

Nearly 40 percent of renters say saving for a down payment is the biggest obstacle preventing them from buying a home, says the Federal Reserve’s Survey.

Down payment assistance programs are designed to bridge that gap.

These programs help eligible homebuyers cover their down payment and closing costs so they can purchase a home sooner rather than waiting years to save.

McGowan Mortgages helps buyers identify and access these programs, guiding them through eligibility requirements and matching them with assistance available in their local market.

TLDR: Down Payment Assistance Explained

Down payment assistance programs provide grants, forgivable loans, or low-interest second mortgages to help homebuyers cover down payment and closing costs.
Programs are offered by federal, state, and local housing agencies as well as nonprofits and some employers.
Many programs are not limited to first-time homebuyers. Repeat buyers may qualify depending on income and location.
Assistance amounts typically range from $5,000 to $25,000, though some programs provide $50,000 or more in high-cost markets.
Eligibility depends on income limits, credit score, homebuyer education, and purchasing a primary residence.

👉 Not sure if you qualify? Contact McGowan Mortgages for a free consultation and we will help you find programs available in your area.

What Are Down Payment Assistance Programs and How Do They Work?

Down payment assistance programs are financial aid initiatives designed to reduce the upfront cash required to buy a home. These programs provide money that helps cover the buyer’s down payment, closing costs, or both.

Most programs are funded by state Housing Finance Agencies, local housing departments, nonprofit organizations, and federal housing programs.

Their goal is to make homeownership more accessible. particularly for households that can afford a mortgage but struggle with upfront costs.

In most cases, buyers must meet a few basic requirements.

These commonly include purchasing a primary residence, staying within income limits based on local median income, and completing a HUD-approved homebuyer education course.

Many programs also require the property to be located within a specific city, county, or state where the assistance program operates.

The Main Types of Down Payment Assistance

Program Type	How It Works	Repayment Required	Best For
Grant	Free money applied toward down payment or closing costs	No repayment	Buyers who meet income and location requirements
Forgivable Loan	Loan forgiven after a set period such as 5 to 10 years	No if conditions met	Buyers planning to stay long term
Deferred Payment Loan	Second mortgage with no monthly payments	Yes upon sale or refinance	Buyers needing upfront assistance
Low-Interest Second Mortgage	Second loan with reduced interest rate and monthly payments	Yes	Buyers comfortable with a small second payment
Matched Savings Program	Program matches the buyer’s savings contributions	No repayment of matched funds	Buyers with time to build savings

Key Distinction

A grant never needs to be repaid.

A forgivable loan is forgiven only if you meet specific residency conditions, such as living in the home for a minimum number of years.

Understanding this difference is critical before committing to a program.

Who Qualifies for Down Payment Assistance Grants in 2026?

Many buyers assume they will not qualify for assistance because they earn too much money or have owned a home before. In reality, eligibility is broader than most people expect.

Most programs consider the following factors.

Income limits are usually based on Area Median Income (AMI) for your county. Many programs allow household income up to 80 percent to 120 percent of AMI, while some programs in higher-cost markets extend limits to 150 percent of AMI.

First-time homebuyer status is also more flexible than many buyers realize. Many programs define a first-time buyer as someone who has not owned a home within the past three years.

Credit score requirements vary widely. Some programs paired with FHA loans accept credit scores as low as 580, while many others require scores between 620 and 640.

Most programs also require completion of a homebuyer education course and that the property be used as a primary residence.

Are There Down Payment Assistance Programs for Non-First-Time Homebuyers?

Yes. Many down payment assistance programs are available to repeat homebuyers, not just first-time buyers.

Programs funded by state Housing Finance Agencies often determine eligibility based on income limits, credit score, and property location rather than prior homeownership history.

Some programs also provide assistance specifically for teachers, healthcare workers, veterans, and law enforcement professionals, regardless of whether they have owned a home before.

👉 Learn more about down payment assistance options available through McGowan Mortgages, including programs for both first-time and repeat buyers.

What Income Limits Apply to Down Payment Assistance Programs?

Income limits are not a flat national number. They are calculated relative to the Area Median Income for the county where you plan to purchase a home.

This means income limits vary significantly by location.

A household earning $80,000 in a rural county may exceed the program limit, while a household earning $120,000 in a major metropolitan area could still qualify.

Most programs evaluate total household income, not just the borrower’s income.

Some programs also include multiple tiers. Lower-income applicants may qualify for grants, while moderate-income households may qualify for forgivable loans or reduced-interest second mortgages.

Important Note

Do not assume you earn too much to qualify. In higher-cost housing markets, income limits for down payment assistance programs can exceed $120,000 or more for a household.

👉 Contact McGowan Mortgages to check your eligibility based on your county and household income.

How Much Money Can You Receive From a Down Payment Assistance Program?

Down payment assistance amounts typically range from $5,000 to $25,000, although some programs in higher-cost markets provide $50,000 or more depending on the program and location.

The exact amount depends on several factors.

Many state Housing Finance Agency programs offer assistance equal to 3 percent to 5 percent of the home’s purchase price.

Local city and county programs often provide flat grant amounts such as $10,000, $15,000, or $20,000.

Some federal housing programs funded through initiatives like the HOME Investment Partnerships Program may offer larger assistance amounts in targeted communities.

In some cases, buyers can combine multiple assistance programs on the same purchase. This process is often referred to as stacking programs, although lender approval and compatibility rules apply.

How Do I Find Down Payment Assistance Programs in My State?

Finding assistance programs does not need to be complicated. A few key steps can help identify available options.

Start with your state Housing Finance Agency (HFA). Every state operates an agency that administers statewide homebuyer assistance programs.

Next, check county and city housing departments. Many local governments run additional programs that supplement statewide offerings.

Working with an experienced lender is also important. Mortgage brokers like McGowan Mortgages have access to databases that identify programs available based on your income, location, and credit profile.

Buyers can also visit the HUD housing counseling website to find certified counseling agencies that help identify assistance programs.

Finally, check whether your employer offers employer-assisted housing programs, which sometimes provide grants or forgivable loans.

What States Offer First-Time Buyer Grants in 2026?

Almost every state in the United States offers some form of down payment assistance through its housing finance agency.

Examples include:

California: CalHFA MyHome Assistance Program
Texas: TDHCA My First Texas Home Program
Florida: Florida Housing down payment assistance
New York: SONYMA Down Payment Assistance Loan
Illinois: IHDA Access programs
Georgia: Georgia Dream Homeownership Program
Missouri: Missouri Housing Development Commission (MHDC) First Place Program and Cash Assistance options

Since McGowan Mortgages is from Missouri, the MHDC offers statewide programs. They provide down payment assistance in the form of grants or forgivable second loans, often paired with fixed-rate first mortgages.

These programs are available to both first-time and repeat buyers in certain cases, depending on income limits and purchase price caps.

Many Missouri buyers can access assistance ranging from 3% to 4% of the loan amount, which can significantly reduce upfront costs when purchasing a home.

Program funding levels and eligibility requirements change regularly. The best way to identify current opportunities is to work with a lender who tracks program updates.

👉 McGowan Mortgages monitors assistance programs across the country and can help match you with programs available in your area.

Can Down Payment Assistance Be Combined With an FHA or Conventional Loan?

Yes. Most down payment assistance programs are designed to work alongside standard mortgage programs such as FHA, conventional, VA, and USDA loans.

The assistance typically functions as either a grant or a second lien that covers part or all of the required down payment.

For example, FHA loans require 3.5 percent down. Many DPA programs can cover the entire amount, allowing buyers to purchase a home without contributing their own funds toward the down payment.

Conventional loans often require 3 percent to 5 percent down, which can also be covered by many assistance programs.

VA and USDA loans already allow zero down payment, but assistance programs can still help cover closing costs or prepaid expenses.

Loan Type	Minimum Down Payment	DPA Compatible	DPA Can Cover Full Down Payment
FHA	3.5%	Yes	Often
Conventional	3% to 5%	Yes	Sometimes
VA	0%	Yes for closing costs	Not applicable
USDA	0%	Yes for closing costs	Not applicable

Can You Get Down Payment Assistance With Bad Credit?

Some down payment assistance programs accept credit scores as low as 580, particularly when combined with FHA loans.

However, many programs require a credit score between 620 and 640, and borrowers with higher scores may qualify for better loan options and interest rates.

Credit requirements depend on both the mortgage lender and the assistance program itself.

Borrowers with scores below 620 may have fewer program options but can still qualify for certain FHA-compatible assistance programs.

Improving your credit score even modestly before applying can expand the number of programs available.

👉 Learn how lower credit scores can still qualify with the right loan structure.

How Do I Apply for Down Payment Assistance Near Me?

The application process is simpler than many buyers expect.

First, obtain a mortgage pre-approval. Down payment assistance programs require an approved primary mortgage.

Next, complete a homebuyer education course. Many programs require this step and offer online options that typically take four to eight hours.

Then gather required documentation such as income verification, bank statements, and identification.

Your lender will submit both the mortgage application and the down payment assistance application at the same time.

Working with a lender experienced in assistance programs is important because not all lenders participate in every program.

What Documents Are Required for Housing Assistance Programs?

Most programs require the following documents:

Last two years of federal tax returns
Recent pay stubs covering the last 30 days
Two to three months of bank statements
Government-issued photo identification
Homebuyer education certificate
Signed purchase agreement if under contract
Rental history or landlord verification in some cases

Are Down Payment Grants Repayable or Forgivable?

Down payment grants do not require repayment.

Forgivable loans are typically forgiven after a set period, often five to ten years, provided the buyer continues living in the home and meets program conditions.

If the home is sold or refinanced before the forgiveness period ends, part or all of the loan may need to be repaid.

Before accepting assistance, ask three questions:

Is this assistance a grant or a loan?
If it is a loan, what are the forgiveness conditions?
What happens if I sell or refinance early?

What Are the Pros and Cons of Using Down Payment Assistance?

Down payment assistance can make homeownership possible much sooner, but buyers should understand both benefits and trade-offs.

Pros include entering the housing market sooner without years of saving, preserving personal savings for emergencies, and receiving grants that add no additional monthly cost.

However, some assistance programs add a second loan or include residency requirements that limit flexibility.

Buyers who rely entirely on assistance also begin with minimal equity, which can affect refinancing options later.

The best strategy is to compare scenarios with and without assistance to determine which option supports long-term affordability.

👉 Compare your options and build a plan that fits your budget and goals.

Expert Viewpoint: Down Payment Assistance Is One of the Most Underused Tools in Homebuying

Down payment assistance is one of the most underutilized resources available to homebuyers today.

Billions of dollars in funding remain unused every year because many buyers assume they will not qualify or never ask their lender about available programs.

Income limits are often more generous than people expect, particularly in moderate- and high-cost housing markets.

Working with a mortgage broker who tracks multiple programs provides a significant advantage. Not every lender participates in every assistance program, and a broker can identify options that a single bank may overlook.

The path to homeownership does not always require years of saving. For many buyers, the right assistance program can dramatically shorten the timeline.

👉 McGowan Mortgages has helped thousands of buyers access down payment assistance and purchase homes sooner than expected. Contact us today for a free eligibility review.

Frequently Asked Questions About Down Payment Assistance

What are the best down payment assistance programs?

The best programs typically come from state housing finance agencies and local government housing departments that offer grants or forgivable loans.

How do I qualify for homebuyer grants?

Qualification is usually based on income limits, credit score requirements, homebuyer education completion, and purchasing a primary residence.

Are there government grants for first-time homebuyers?

Yes, federal, state, and local housing agencies fund programs designed to help first-time buyers cover down payment and closing costs.

How much can I receive from homebuyer grants?

Most programs offer between $5,000 and $25,000, although some high-cost area programs provide up to $50,000.

Do you have to pay back down payment assistance?

Grants do not require repayment, but deferred or repayable second mortgages must be repaid when the home is sold or refinanced.

Can I combine assistance programs with FHA loans?

Yes, most down payment assistance programs are designed to work alongside FHA, conventional, VA, or USDA loans.

What credit score do I need for down payment assistance?

Most programs require a minimum credit score around 620, though some FHA-compatible programs accept scores as low as 580.

What income limits apply to down payment assistance programs?

Income limits are based on the Area Median Income for your county and typically range between 80 percent and 150 percent of AMI.

Can I apply for down payment assistance online?

Many programs allow applications through participating lenders, and homebuyer education courses can often be completed online.

How do interest rates affect DPA eligibility?

Interest rates do not directly affect eligibility, but they impact your debt-to-income ratio, which lenders and programs evaluate.

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McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.

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If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy.We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable.He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark.What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish.If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.

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Derek got us set up and approved fast so we could put in offers on homes quickly. We got our place and the experience was great. Also during the process as questions or concerns came up he answered quickly and was very professional . We look forward to working with Derek and the McGowan team for future investments.

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I have never met a group of people who are experienced when it comes to home buying.It wasmy first time purchasing a home.I didn't know how to start the home buying process.I was introduced toTiana, Jessica, Derek and their team who stood up with me and my daughter from the beginning to the end.We were in our house in a timely manner.We will like to say thanks toDerek and his team. ⭐⭐⭐⭐⭐

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I have a good experience working with McGowan Mortgage all the team make my dream come true in my new house they move so fast and when I almost give up they jump and do everything always with a good communication no matter the hour always I have the answer thanks for everything you and you team are A plus. Thanks to everyone work with me ( Megan, Analise, Tatiana and Derek)

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Thank you Max for all of your assistance! Your knowledge and customer service was outstanding and we are so thankful for your patience with us. Highly recommend connect with Max if you are shopping for rates and mortgage options! Had the pleasure of speaking with Derek and Thao at an event and they are just such great and kind individuals! Appreciate you all!

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16:23 15 Sep 25

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13:06 10 Sep 25

Cindy initially reached out to me, and then Julie followed up to help me see where I stand with buying a home since I’m looking into it for next year. She gave me a clear plan moving forward, and I really appreciate that it didn’t feel pushy at all. McGowan Mortgages truly seem like they care more about their customers than just pushing out numbers, and I’m excited to use them next year when I’m ready.

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Everybody is amazing and helpful and really is there to help you and make sure you have every answer and if they dont they will try there hardest and get back to you in a very fast manner. 10 out of 10 recommend. Thank you guys for everything you guys did to help me get my wife and I our first house.

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21:58 02 Sep 25

I am currently working with McGowan Mortgages on my refinance, and the experience has been wonderful so far. Even though I’ve run into a few hiccups with my situation, Fidel has been incredibly helpful and supportive throughout the process. With my busy schedule, I sometimes can’t respond right away, but their team always checks in with me and keeps me motivated to stay on track. Those reminders make a huge difference for someone like me.I was recommended to McGowan Mortgages by my friend Julie, who helped me get started with my refinance application, and I’m so glad she did. Everyone on the team has been wonderful, professional, and committed to making the process as smooth as possible. Highly recommend!

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my daughter referred me to mcgowan mortgage and the process has been great! I have been starting up my process with Julie and she has made this all a breeze! very grateful to have someone so helpful.

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Whether you are a first time home buyer or a seasoned homebuyer these folks work so hard for you. They were kind, patient, knowledgeable and professional in every step of the process. I had little to no experience with every aspect of the process and they never let that get in the way. They worked hard every day and were always accessible. Can’t say enough good things about this company!!!!!

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McGowan … from start to finish were always alternative and Helpful , with our loan process, last year we work with another major national loan company and we regretted the experience and hindered us purchasing a home at last minute . Wasn’t case this time around and we are happily in our new home ! Thank you Derrick McGowen and Staff and are grateful for your efforts and making our retirement home purchase possible .

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As a first-time homebuyer, I was honestly so clueless about the loan process, but working with McGowan Mortgages has been nothing short of amazing. From the very beginning, Julie, my application specialist, made everything so easy to understand. She communicated with me every step of the way and always kept me updated. After her, Tiana stepped in and has been just as incredible. The consistency in communication and support has been something I truly appreciate. What stood out the most is how well the entire McGowan team keeps everyone in the loop…not just me, but even my realtor! He hardly ever needs to reach out because they are always a step ahead in keeping everyone informed. It’s clear this team genuinely cares and wants to help people, not just push deals through. A huge thank you to Derek and the entire McGowan Mortgages team. You all are such kind, wholesome people, and it truly shows in how you treat your clients. I’m so excited to close on my new home soon, and I’m so grateful to be doing it with a team I trust!

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My self and my Team have used McGowan Mortgages as a partner lender to our Real Estate Team for a few years now and they GET THINGS DONE. Derek and the Team are on point! 5 stars All the way!

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Working with McGowan Mortgages was a fantastic experience. They were responsive, knowledgeable, and made the entire mortgage process smooth and stress-free. Communication was top-notch, and every step was explained clearly and handled with care. I highly recommend McGowan Mortgages to anyone looking for a trustworthy and efficient mortgage professional!

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The McGowan Team was very communicative for their clients from contract to close! It was a pleasure to work with their team.

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Amazing team, helped me a lot and explained all what I need in proper ways that easy to understand.

Rick S.

19:10 21 Mar 25

McGowan Mortgages were easy to work with and closed quickly. I completed a refinance on a rental property with them and then closed on another property with them both in the same month. My realtor was also impressed with them and thought they were easy to work with. I plan on using them again to refinance down my second rental property. I highly recommend them.

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What a great team! Very friendly and easy to work with. We were able to close on our house in less than a month.

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Derek and the team made the whole process easy and will answer any questions you might have! They guided me through the entire process, ensuring that I understood all my options and felt confident in my decisions! Thank you!

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THIS COMPANY ROCKS!!!!Navy federal gave me HELL ON EARTH!!!Mcgowan Mortgage saved me big time on a refinance!!! Derek, Fidel, Megan, Jessica, they are awesome!! To work withWill most definitely continue to do business with them again!!

Bob P.

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Derek is a great Loan Officer that will go above and beyond to help you get into your home...His exceptional service and dedication truly sets him apart from the rest..Its always a pleasure to work with him!

James J.

13:46 04 Mar 25

I can’t say enough great things about Derek McGowan and his incredible team. Their professionalism, responsiveness, and commitment to finding the best solutions for clients truly set them apart.If you're looking for a lender who genuinely cares and delivers outstanding service, I highly recommend Derek McGowan and his amazing team.Jim Jablonski American Financial Resources LLC.

Sofi T.

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Derek and his team are wonderful to work with! Proactive, friendly and professional. I would highly recommend.

Teddy K.

14:02 03 Mar 25

Derek McGowan was fantastic to work with! He’s fast, detail-oriented, and made the entire loan process smooth and stress-free. Highly recommend him for anyone looking for a reliable and efficient loan officer!

Bill S.

03:37 03 Mar 25

Best mortgage company I’ve ever worked with. I would definitely recommend. Kept the word through the whole process. Thanks to all of you guys and gals!!

Wade H.

23:41 02 Mar 25

Derek McGowen and his team are the best in the business. As mortgage brokers they have access to endless loan options and best in market rates. If you want great service and experience look no further.

Vaughn K.

02:24 02 Mar 25

Robyn has been a pleasure to work with and has provided a great experience! She is very communicative and helpful and has lots of knowledge!

Jose G

19:57 01 Mar 25

Great experience working with the McGowan team. They were able to help me and my fiancé get qualified and were very helpful throughout the process.

Jarret S.

19:34 01 Mar 25

The McGowan crew was great!! After trying a few mortgage company’s that wouldn’t approve us for the amount we wanted I found McGowan. They immediately got us approved for the amount we wanted. They for sure have ways of helping people who may have particular situations in the home buying process. Everyone was so nice and helpful and the one thing I especially loved was the prompt updates they were always keeping me informed on what was happening with my loan throughout the whole process. Jess the processor was also exceptional and made that whole process extremely stress free when it came time to get everything in order for the underwriter. Thanks for everything!! If I ever buy another house in the future I will certainly be using McGowan!!

Frank P.

17:13 01 Mar 25

Easy to work with very professional great at returning text email and calls and closing the deal I will deff use them again

Coralee C.

16:41 01 Mar 25

After so long trying and so close to my rental lease ending, I was recommended to this wonderful team and they made it happen. In about 30 days I was approved and moved in to my new home! Very grateful and happy. Smooth process.. Definitely will recommend.

Taelor C

16:31 01 Mar 25

They made the whole process easy and kept me in the loop about everything! I definitely would recommend.

rory L.

06:49 01 Mar 25

Derek and his team are great! Always there to answer any questions. Needed to close on time and they delivered!

Joshua C.

23:19 13 Feb 25

Derek and his team were organized, responsive and got the job done for our mutual client. Great experience all around!

Dawn D.

21:44 13 Feb 25

I've worked with McGowan Mortgages on multiple occasions. They are the absolute best at keeping everyone involved in a transaction, very well informed in the mortgage process. These folks at McGowan Mortgages strive to make sure clients understand everything!!! I highly recommend them to anyone interested in purchasing a home!

Alicia S.

17:40 10 Feb 25

As a Realtor when working on a financed deal for a client, nothing is more important then timely response and accountability from the lender and MCGOWAN MORTGAGE offers both! Highly recommend!

Rachel T.

15:13 01 Feb 25

I had a fantastic experience refinancing my home with Derek and his team at McGowan Mortgages. They made the entire process quick and seamless, handling everything efficiently and with great care. The team was incredibly friendly and responsive, always available to answer my questions and keep me updated. I felt taken care of every step of the way, and they really went above and beyond to make sure everything was done right. Highly recommend them for anyone looking to refinance!

Janna H.

14:53 31 Jan 25

Amazing team with the fastest service I’ve ever seen. HIGHLY RECOMMEND!!

Don S.

Jacquelyn B.

01:05 25 Jan 25

So helpful for first time buyers! Great customer service and responds quickly with great tools and information for buying a home!

Dan H.

16:56 30 Dec 24

Derek and his team were great to work with. They constantly keep us up to date on the status of the loan and how things were progressing. They were very helpful and in constant communication.

Kim W.

01:17 27 Dec 24

My husband and I are extremely pleased and grateful for the awesome job that McGowan Mortgage did for us.With 11 days to close we decided to go with McGowan due to issues with our other lender. McGowan’s team jumped right in and got us to close on time.Their entire team is professional, knowledgeable and kept us informed every step of the way!Most importantly we appreciate Derek and his team for caring about us to get us the best interest rate.We will definitely use them again and tell our family & friends about their services.

reggie P.

05:24 26 Dec 24

Derek and his staff came through in clutch time! Under dyer circumstances they were able to get my clients closed in 7 days, and keep it 100% professional. I look forward to working with them again.

Lynn P.

18:24 24 Dec 24

Derek and his team are stellar. Their communication and follow up is awesome.The have access to some very outside the box lending options for some of the more unique buyers.Highly recommend them!

Alberto R.

01:07 24 Dec 24

Very easy to work with as I always say if McGowan mortgages can’t do it then no one can.

anthony P.

06:48 09 Dec 24

My experience with the McGowans Corp was such a blessing and a truly one of a kind Adventure. We couldn’t have possibly chosen a more professionalKnowledgeable and well versed company thatmade our interactions feel more like family truth be told. They made the entire process seamless from start to finish, I mean wow and their confidence prior to any paperwork signing let us know what they do, how they work, what to expect as far as some highs and lows of new home searching. I would choose them a thousand times with confidence and ease in knowing the end results would be the same. Thank youDerek and Thao!!

Betty B.

21:29 28 Nov 24

Super Mortgage Company. They worked with me to get my mortgage when no other company would. They were with me the whole way. Constant communication and making sure all was getting done satisfactorily. So grateful to all of you. Thank you!

Noah L.

20:51 25 Nov 24

Derek was very helpful in the overwhelming process of buying a house!

Ash Dow (.

17:57 23 Nov 24

Awesome team! Enjoyed working with them!

Togo

16:37 23 Nov 24

They were wonderful people to work with, very receptive, efficient and nice. :) buying my first home was made easy by McGowan!

Steven M.

01:30 06 Nov 24

After 22+ in the Navy, I retired as a disabled combat veteran. I just wanted to come back to my hometown, buy some dirt, and finish raising my family. McGowan Mortgages were able to make that dream happen for me. They were outstanding to work with, genuinely engaging, and very proactive. They went out of their way to get the best possible interest rate so I was able to maximize my purchasing power. Thank you McGowan Mortgages!

Chris H.

01:35 26 Oct 24

Easy, seamless process. Derek was always available by phone and explained everything, anytime, I had questions!

Job R.

22:07 24 Oct 24

Loved working with them in getting our home made it nice and smooth for me thank you guys again

Tyler S.

21:05 21 Oct 24

They went above and beyond to help us get into the home we found on a time crunch. Highly recommend Derek and his team.

Oleg S.

21:12 18 Oct 24

Brittany F.

01:01 18 Oct 24

Fabulous team across the board! Derek and his team will be there with you every step of the way, focused not only on getting the sale through, but making sure to get you the best rates out there. Will definitely be working with their team again when it's time!

Kitamwire 2.

04:18 11 Oct 24

As first time home buyers. Me & my wife were very pleased to have McGowan as our Mortgage broker. The staff members were very professional in guiding us through the paper works and always open for questions throughout the buying process. Made our first home buying experience much smooth. Definitely recommended to any potential home buyers. We are looking forward to refinance with them in the coming months.

Alisa C.

16:10 10 Oct 24

chantel C.

12:25 10 Oct 24

I am thrilled to share my experience with McGowan Mortgages, as they played a pivotal role in helping me purchase my first home after what had been a deeply frustrating journey with two other lenders. My previous attempts werefraught with delays and ultimately ended in heartbreak when both lenders denied my applications after months of waiting. It felt like I was stuck in a limbo, unsure if I would ever achieve my dream of homeownership.When I turned to McGowan Mortgages, I was greeted with a refreshing level of professionalism and genuine care. From the very beginning, they provided me with a clear and actionable plan to raise my credit score, which was crucialin securing my approval. I was able to move into my new home within just 2-3 weeks—an impressive turnaround compared to my previous experiences.What stood out most was the patience and understanding of the McGowan team, particularlyDerek, who worked tirelessly to ensure I was well-informed throughout the entire process. He was always available to address my concerns, no matter the time of day. This kind of support truly made a difference during atime when I felt overwhelmed by the complexities of home buying.Thanks to McGowan Mortgages, I secured an incredible deal: no money down and a competitive 5.2% interest rate. Additionally, when the seller requested more money for the extended wait caused by my previous lenders,Derek kindly offered me a $500 credit to help ease that burden. As a single mom and a veteran, this support was invaluable.I cannot thank Derek and the entire McGowan team enough for their dedication and commitment to helping me realize my dream of homeownership. They provided educational videos to guide methrough the process and kept me on track with timelines, making everything feel manageable and straightforward.In conclusion, I wholeheartedly recommend McGowan Mortgages to anyone seeking a lending partner. My experience was nothing short of exceptional, and I am now a proud homeowner because of their outstanding service. I would ratethem a firm 10 out of 10!

Terry B.

23:20 08 Oct 24

Buying our first home was an incredible experience thanks to McGowan Mortgage. From the very beginning, they were attentive, knowledgeable, and genuinely cared about our needs. Especially during the times we were ready to give up. They guided us through every step of the process, making it seamless and stress-free. We ended up finally finding the perfect house in a great neighborhood, all within our budget! Their expertise and dedication made a stressful process enjoyable. Highly recommend! ⭐️

Joe S.

17:03 04 Oct 24

Great service!

Luis M.

21:46 03 Oct 24

Had the best experience.

Caleb W.

00:39 02 Oct 24

Always going above

Subbley H.

22:41 01 Oct 24

My husband and I had a smooth experience with McGowan Mortgages after a challenging start. Their professionalism and patience made our first-time home buying process effortless. Highly recommended!

Steve N.

15:57 30 Sep 24

Team McGowan was great work with throughout the process. They are true advocates for their customers.

Chanita T.

05:10 27 Sep 24

Jessica was very helpful and knowledgeable about the whole process, patient with me being a 1st time home buyer she literally held my hand and walked me through the process will recommend McGowan Mortgages to my friends and family thanks for all you guys did for me

Jeff T.

23:16 10 Sep 24

Derek & team were great to work with! They were very responsive, answered my off-the-wall questions at any time of day, and helped me close faster than anticipated. I would definitely recommend others to work with Derek's team when looking for a house in the future!

matt O.

13:39 26 Aug 24

Fast, efficient, informative and always professional!

Jamie L.

13:10 26 Aug 24

McGowan Mortgages worked very hard to get the job done. The communication is excellent and all the staff were so very nice and efficient. I cant say enough about how grateful I am for this company.

Reginaldo G.

20:24 21 Aug 24

Excelente Servicio y Atención. Gracias

Katie B.

22:54 16 Aug 24

They are a great company to work with. As a First time home buyer with all the questions they answered all of them and were available anytime I needed.

Denise jane A.

01:23 15 Aug 24

The best Mortgage company

Adam S.

18:21 11 Aug 24

Buying my first home was terrifying enough but Derek and his team got me through it anxiety attacks and all. He made the impossible happen and I can't thank him enough.

Mel C.

16:26 08 Aug 24

I recently had the pleasure of working with McGowan Mortgages for my home, and I couldn't be happier with the experience. From start to finish, their team was professional, knowledgeable, and incredibly responsive.They guided me through the entire process with ease, explaining every step in detail and answering all my questions patiently. They were always available to address any concerns I had, which made me feel confident and supported throughout the process.McGowan Mortgages secured a fantastic interest rate for me, saving me a significant amount of money each month. Their dedication to finding the best possible deal for their clients is truly commendable.I highly recommend McGowan Mortgages to anyone looking for a mortgage or refinance. Their exceptional service, expertise, and commitment to their clients make them stand out from the rest. I am grateful for their assistance in making my refinance a smooth and successful experience.

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