What is down payment assistance?

Down payment assistance is a homebuyer support program that can help cover some of the upfront costs of buying a home, such as the down payment and, in some cases, closing costs.

Who may qualify for down payment assistance?

Qualification varies by program and lender. Eligibility may depend on factors such as credit profile, loan type, occupancy, available funds, and program guidelines.

What documents do I usually need to apply for down payment assistance?

Most applicants should be prepared to provide identification, income documentation, asset statements, employment details, and information about the property and mortgage application.

Do I need to work with a lender to apply for down payment assistance?

In many cases, yes. A lender can help determine which programs may fit your situation, review eligibility, collect required documents, and guide the application through underwriting and closing.

Can down payment assistance be repaid?

Some programs are grants that may not require repayment, while others may be structured as repayable, deferred, or forgivable assistance. Terms depend on the program.

When should I apply for down payment assistance?

It is best to explore assistance options early in the home buying process so you can understand eligibility, required documents, and any program timelines before closing.

Down Payment Assistance Application 2026: Step-by-Step Guide

You want to buy a home, you know down payment assistance exists, and now you need a clear roadmap for how to actually apply. The challenge is that the application process can feel confusing because programs vary by state, county, and city, and each has its own eligibility rules and paperwork. This guide walks you through every step, from checking eligibility to receiving funds at closing, and positions you to navigate the process with confidence.

Applying for down payment assistance in 2026 involves confirming your eligibility (income limits, credit score, homebuyer education), gathering required documents, getting pre-approved for a first mortgage, and submitting your DPA application through an approved lender. Most programs require household income below 80% to 150% of your area’s median income, a credit score of 580 to 640 or higher, and completion of a HUD-approved homebuyer education course.

Required documents typically include tax returns, pay stubs, bank statements, and a signed purchase contract. The process from application to approval usually takes 30 to 60 days, running alongside your mortgage approval timeline. You do not apply directly to most DPA programs. Your lender submits the application on your behalf as part of the mortgage process.

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Key Takeaways

Down payment assistance applications are submitted by your lender alongside your mortgage, not separately to DPA programs
Most programs require household income below 80% to 150% of Area Median Income, a credit score of 580 to 640+, and homebuyer education completion
The application process typically takes 30 to 60 days, running parallel to your mortgage timeline
Not all lenders participate in all DPA programs; mortgage brokers often have access to more options than retail banks
You can often stack multiple DPA programs on a single purchase for greater total assistance
Billions of dollars in DPA funding go unused every year because qualified buyers never apply

How Do I Apply for Down Payment Assistance in 2026?

To apply for down payment assistance in 2026, start by confirming your eligibility based on income, credit score, and homebuyer education requirements. Then get pre-approved for a first mortgage through a DPA-approved lender, gather your required documents, and have your lender submit the DPA application alongside your mortgage. Most buyers do not apply to DPA programs separately; the application is packaged with your home loan.

The process is not as complicated as most people assume, but it does require working with the right lender. Not all lenders participate in all DPA programs. Mortgage brokers like McGowan Mortgages often have access to a broader range of programs than retail banks, which means more options for matching you with the program that provides the best benefit for your situation.

Timing matters as well. Some programs operate on a first-come, first-served basis with limited annual funding. Applying early in the calendar or fiscal year can improve your chances of securing assistance before funds are exhausted.

The Complete Step-by-Step Down Payment Assistance Application Process

Step 1: Check Your Eligibility Before You Apply

Before anything else, determine whether you qualify for down payment assistance. This step prevents wasted time and disappointment later in the process.

Visit your state’s Housing Finance Agency (HFA) website. Most have online eligibility tools or income limit lookup tables that allow you to check your status in minutes. Review income limits for your county, which are based on Area Median Income (AMI). Confirm you meet the credit score minimum for the program you are targeting, typically 580 to 640, depending on the program.

Check whether the program requires first-time homebuyer status. Many do, but “first-time” is defined as not having owned a home in the past 3 years. Some programs are open to repeat buyers as well. Also, determine if the program has purchase price limits for the area where you plan to buy.

Highlight Box: Important

First-time homebuyers are not automatically eligible for all DPA programs. Each program has its own income limits, credit requirements, and geographic restrictions. Checking eligibility before you start house hunting saves time and prevents disappointment.

Step 2: Complete a Homebuyer Education Course

Nearly all DPA programs require completion of a HUD-approved homebuyer education course before you can receive assistance. This requirement exists to ensure buyers understand the responsibilities of homeownership before taking on a mortgage.

Courses are available online and in person. Online courses typically take 4 to 8 hours and cost $50 to $100, though some programs reimburse this fee. Upon completion, you receive a certificate that must be submitted with your DPA application.

Complete this step early in your homebuying journey. Some lenders require the certificate before they will issue a pre-approval letter for DPA-eligible loans. Waiting until you are under contract to start the course can create unnecessary delays.

Step 3: Get Pre-Approved for a First Mortgage Through a DPA-Approved Lender

DPA funds are tied to your first mortgage. You must be pre-approved for an FHA, conventional, VA, or USDA loan before the DPA application can be submitted.

Not every lender is approved to originate loans with DPA. Confirm that your lender participates in the specific program you are targeting. If they do not, you will need to find a lender who does.

Your lender will evaluate your income, credit, debt-to-income ratio, and assets as part of the pre-approval process. This is where the lender determines your eligibility for both the mortgage and the DPA simultaneously. A mortgage broker like McGowan Mortgages can access multiple DPA programs and match you with the one that provides the best benefit for your situation.

Ready to get pre-approved and find out which DPA programs you qualify for? Contact McGowan Mortgages to start your application →

Step 4: Gather Your Required Documents

Prepare your income, asset, and identification documents before moving forward. The documentation requirements for DPA applications mirror standard mortgage documentation, with a few additions.

Collect your homebuyer education certificate and have your signed purchase contract ready once you are under contract on a home. A complete list of required documents appears in the next section.

Step 5: Submit Your Application

Your lender packages the DPA application with your first mortgage application and submits both together. You do not submit the DPA application separately in most cases.

Some programs require a separate DPA application form; your lender will provide this if needed. The DPA program administrator reviews your eligibility independently, but the process runs in parallel with your mortgage underwriting.

Step 6: Receive Conditional Approval and Clear Conditions

You will receive a conditional approval from the DPA program, similar to your mortgage conditional approval. This approval letter outlines any outstanding items needed before final approval.

Conditions may include updated income documentation, property-specific requirements, or final verification of homebuyer education. Your lender coordinates between you, the DPA program, and the underwriter to clear all conditions efficiently.

Step 7: Close on Your Home and Receive DPA Funds

At closing, the DPA funds are applied directly to your down payment, closing costs, or both, depending on the program structure.

For grant programs, no additional lien is placed on the property, and the funds never need to be repaid. For forgivable loan programs, a second lien is recorded but forgiven after the required residency period (typically 5 to 10 years). For deferred or repayable loan programs, the second lien terms are documented at closing and must be satisfied when you sell, refinance, or pay off the first mortgage.

What Documents and Information Are Required for a Down Payment Assistance Application?

The documentation requirements for DPA applications are comprehensive but straightforward. Gathering everything before you apply helps the process move efficiently.

Income Verification Documents

Last 2 years of federal tax returns (all pages and schedules)
Last 30 days of pay stubs
Last 2 years of W-2s or 1099s
Social Security award letters, pension statements, or disability income documentation (if applicable)
Self-employed applicants: last 2 years of business tax returns and a current profit and loss statement

Asset and Bank Account Documents

Last 2 to 3 months of bank statements (all pages, all accounts)
Retirement and investment account statements (most recent quarter)
Source documentation for any large deposits

Identification and Household Information

Government-issued photo ID
Social Security numbers for all household members (some programs count total household income)
Proof of current address (utility bill or lease agreement)

Homebuyer Education and Program-Specific Documents

Homebuyer education certificate (HUD-approved course)
Signed purchase contract (once under contract)
Seller disclosure statements (if required by the program)

Additional Documents Some Programs May Require

Letter of explanation for any credit derogatory events
Divorce decree or child support documentation
Gift letter (if receiving gift funds in addition to DPA)
Employer verification letter

Learn more about down payment assistance programs available through McGowan Mortgages, including document requirements for specific programs. Explore DPA options with McGowan →

What Are the Eligibility Requirements for Down Payment Assistance This Year?

Eligibility requirements vary by program, but most DPA programs share common thresholds. Understanding these requirements helps you assess your qualification likelihood before applying.

Eligibility Summary Table:

Requirement	Typical Threshold	Notes
Household Income	Below 80% to 150% AMI	Total household income, not just the borrower
Credit Score	580 to 640 minimum	FHA-paired programs tend to accept lower scores
First-Time Buyer Status	Required by many programs	Defined as no homeownership in past 3 years; some programs open to repeat buyers
Homebuyer Education	Required by nearly all programs	HUD-approved course, available online
Property Type	Primary residence only	Most programs exclude investment properties and second homes
Purchase Price	Must be below program limit	Limits vary by county and program
Occupancy	Must occupy as primary residence	Typically within 60 days of closing
Geographic Restriction	Varies	Some programs are statewide; others are county or city specific

How Do Income Limits and Household Size Affect My Down Payment Assistance Application?

Income limits are one of the most confusing aspects of DPA eligibility, but they follow a logical structure once you understand how they work.

Income limits are based on your county’s Area Median Income (AMI), adjusted for household size. A larger household can have a higher gross income and still qualify because limits scale upward with household size. Most programs count all adult income earners living in the household, not just the borrowers on the mortgage.

For example, a program with an 80% AMI limit in a county where the median income for a family of four is $90,000 would set the income cap at $72,000 for a four-person household. The same program might set the cap at $50,400 for a single person. Some moderate-income programs use 120% or 150% AMI, opening eligibility to households earning well above the median.

Highlight Box: Don’t Self-Disqualify

AMI limits vary dramatically by location. A household earning $100,000 in San Francisco, Denver, or Boston may still qualify for DPA because the area median income in those markets is high. Check your eligibility with McGowan Mortgages before assuming you earn too much.

Can I Apply for Multiple Down Payment Assistance Programs at the Same Time?

In many cases, yes, you can combine multiple down payment assistance programs on a single home purchase. This is sometimes called “stacking” DPA, and it can significantly increase the total assistance you receive. However, not all programs allow stacking, and your lender must confirm compatibility between the programs and your first mortgage.

A common stacking scenario involves combining a state HFA grant with a city or county forgivable loan. Each program’s lien position must be acceptable to the first mortgage lender, and some programs explicitly prohibit stacking or cap the total combined assistance.

Your lender coordinates the stacking process and ensures all program requirements are met simultaneously. Working with a mortgage broker who has experience with multiple DPA programs makes stacking significantly easier.

How Long Does the Down Payment Assistance Application Process Take?

The down payment assistance application process typically takes 30 to 60 days from submission to closing, running in parallel with your mortgage approval. The DPA-specific review usually adds 5 to 10 business days to the standard mortgage timeline, depending on the program and how quickly conditions are cleared.

The DPA timeline is largely driven by the mortgage timeline. If your mortgage underwriting moves quickly, the DPA approval follows. Delays are most commonly caused by missing documents, incomplete homebuyer education, or the need for additional income verification.

Some high-demand programs have processing backlogs, especially at the beginning of their fiscal year when new funding is released. Applying early is an advantage when working with programs that have limited annual allocations.

What Are Common Mistakes to Avoid When Filling Out a Down Payment Assistance Application?

Experience with DPA applications reveals several recurring mistakes that cause delays or denials. Avoiding these pitfalls keeps your application on track.

Not confirming lender participation. Applying for a mortgage with a lender who does not participate in the DPA program you want wastes weeks. Verify participation before you commit to a lender.

Submitting incomplete documents. Missing pages from bank statements or unsigned tax returns trigger conditions and delays. Review every document for completeness before submission.

Exceeding income limits without realizing it. Forgetting to include a spouse’s or household member’s income can lead to a denial after you are already under contract. Calculate total household income accurately upfront.

Waiting too long to complete homebuyer education. Some lenders will not issue a pre-approval without the certificate. Completing the course early keeps the process moving.

Assuming all programs have the same rules. Each program has unique requirements for credit score, income, property type, and repayment terms. Treating them as interchangeable leads to mismatched applications.

Not asking about stacking. Many buyers accept one DPA offer without exploring whether they can combine it with a second program for greater benefit.

Making large financial changes during the process. Opening new credit accounts, changing jobs, or making large purchases can alter your qualification mid-application.

Avoid costly application mistakes by working with a specialist. Meet the McGowan Mortgages team →

Can I Still Apply for Down Payment Assistance if I Have Student Loan Debt or Existing Mortgage Obligations?

Yes, you can apply for down payment assistance even if you have student loan debt or other existing obligations. Lenders evaluate your total debt-to-income ratio (DTI), and as long as your DTI falls within the program’s guidelines (typically below 43% to 50%), your student loans or other debts will not automatically disqualify you.

FHA guidelines for student loan DTI calculation allow lenders to use 0.5% of the outstanding balance or the income-based repayment amount, whichever is documented. Conventional guidelines use 1% of the outstanding balance or the documented payment.

Existing mortgage obligations may affect your eligibility differently. If you own another home, you may be disqualified from programs that require first-time buyer status. However, some programs define “first-time” as not owning in the past 3 years, which means former homeowners who have been renting may still qualify.

Estimate how your current debts affect your home buying budget and DPA eligibility. Use McGowan’s mortgage calculator →

Can Down Payment Assistance Programs Be Combined With FHA or Conventional Loans?

Yes, most down payment assistance programs are specifically designed to work with FHA, conventional, VA, and USDA first mortgages. The DPA functions as a grant or second lien that covers part or all of the down payment and closing costs required by the first mortgage.

Loan Type Compatibility Table:

First Mortgage Type	DPA Compatible?	Can DPA Cover Full Down Payment?	Common Pairing
FHA (3.5% down)	Yes	Yes, in many programs	State HFA grants, city/county forgivable loans
Conventional 3% (HomeReady/Home Possible)	Yes	Yes, depending on program	State HFA programs, employer-assisted programs
Conventional 5%+	Yes	Partial or full, varies	Moderate-income DPA programs
VA (0% down)	Yes (for closing costs)	N/A	State/local closing cost assistance
USDA (0% down)	Yes (for closing costs)	N/A	Rural housing assistance programs

What Happens After I Submit My Down Payment Assistance Application?

After submission, the DPA program administrator reviews your application for eligibility based on income, credit, property, and homebuyer education requirements. This review runs parallel to your mortgage underwriting.

You will receive a conditional approval with a list of any outstanding items. Your lender coordinates between you, the DPA program, and the underwriter to provide any additional documents or corrections needed to clear conditions.

Once all conditions are satisfied, the program issues a commitment letter confirming the assistance amount and terms. The DPA funds are then wired to the title or escrow company and applied at closing.

For forgivable loan programs, you will need to maintain the property as your primary residence for the required period (typically 5 to 10 years) to receive full forgiveness.

How Can I Check the Status and Next Steps After My Down Payment Assistance Application Is Submitted?

Your lender is your primary point of contact for DPA application status updates. Most programs communicate approvals and conditions through the originating lender, not directly to the borrower. Stay in close contact with your loan officer and respond promptly to any document requests to keep the process on track.

What Questions Should I Ask a Housing Counselor Before Submitting a Down Payment Assistance Application?

Before committing to a specific DPA program, ask questions that clarify the terms and help you make an informed decision.

Key questions to ask:

Which DPA programs am I eligible for based on my income and location?
Is this a grant, forgivable loan, or repayable loan? What are the exact terms?
Can I stack this program with another DPA source?
What happens if I sell or refinance before the forgiveness period ends?
Are there any recapture taxes or clawback provisions?
Does this program have funding available right now, or is there a waitlist?
Which lenders in my area are approved to originate loans with this program?

Expert Viewpoint: The Application Is the Easy Part When You Have the Right Guidance

The down payment assistance application itself is straightforward paperwork. The real challenge is knowing which programs you qualify for, which ones offer the best terms, and how to package your application for smooth approval. That is where working with an experienced lender makes the difference.

Too many qualified homebuyers never apply for DPA because they assume the process is too complicated or they will not qualify. In reality, the eligibility thresholds are more generous than most people expect, and the application runs alongside your mortgage with minimal additional effort on your part.

Billions of dollars in DPA funding go unused every year. The homebuyers who benefit most are not the ones with the highest incomes or the best credit; they are the ones who take the time to explore their options and work with a lender who knows the programs.

In 2026, with housing affordability still a top concern for buyers, DPA programs are more relevant than ever. State and local governments continue to fund and expand these programs because they work.

The single best action you can take today is to get a free eligibility review. It costs nothing, takes less than 30 minutes, and could unlock thousands of dollars toward your home purchase.

McGowan Mortgages has helped thousands of homebuyers navigate the down payment assistance application process from eligibility check through closing day. Learn about our DPA loan options →

Frequently Asked Questions About Down Payment Assistance Applications

Who qualifies for down payment assistance programs?
Homebuyers who meet the program’s income limits, credit score minimums, homebuyer education requirements, and purchase a primary residence within the program’s geographic area typically qualify.

Can I apply for down payment assistance online?
Many programs allow you to check eligibility online, though the formal DPA application is submitted through your approved lender as part of the mortgage process.

Do assistance programs require repayment or forgiveness?
It depends on the program type: grants require no repayment, forgivable loans are forgiven after a set residency period, and deferred or repayable loans must be repaid when you sell, refinance, or pay off the first mortgage.

What states offer down payment assistance programs in 2026?
All 50 states offer some form of down payment assistance through their state Housing Finance Agencies, and many counties and cities provide additional local programs.

How long does the down payment assistance approval process take?
The DPA approval typically runs in parallel with your mortgage and adds 5 to 10 business days to the standard 30- to 45-day mortgage closing timeline.

What income limits apply to homebuyer assistance programs?
Income limits are set based on your county’s Area Median Income and typically range from 80% to 150% AMI, adjusted for household size.

Are first-time homebuyers automatically eligible for assistance?
No, first-time buyer status alone does not guarantee eligibility; you must also meet income, credit, homebuyer education, and property requirements specific to each program.

Can assistance programs be combined with FHA or conventional loans?
Yes, most DPA programs are designed to layer on top of FHA, conventional, VA, or USDA first mortgages as a grant or second lien.

What documents do I need to apply for down payment assistance?
You will typically need 2 years of tax returns, recent pay stubs, 2 to 3 months of bank statements, a homebuyer education certificate, and a signed purchase contract.

Can a lender help me with my down payment assistance application?
Yes, an approved lender like McGowan Mortgages packages and submits your DPA application alongside your mortgage, handling coordination with the program administrator on your behalf.

Get Started With Your Down Payment Assistance Application at McGowan

Down payment assistance programs exist to help qualified homebuyers overcome the largest barrier to homeownership: the upfront cash required to close. The application process, while detailed, runs alongside your mortgage and adds minimal extra effort when you work with an experienced lender.

The key to a successful DPA application is preparation: verify your eligibility early, complete homebuyer education before you need it, gather your documents in advance, and work with a lender who participates in the programs you qualify for.

Billions of dollars in assistance go unclaimed every year. The homebuyers who benefit are the ones who take the time to explore their options.

Call +1 (816) 631-9687 or contact McGowan to discuss your down payment assistance options →

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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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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!

Daniel Byard Keller Williams One Legacy Partners L.

18:24 07 Jun 25

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!

05:09 06 Jun 25

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!

Team Ringgold - A.

16:20 05 Jun 25

McGowan goes above and beyond to keep things as easy as possible. Great communication and they really strive to put the customer first. I highly recommend for anyone who is getting a home loan!

Ali P.

14:04 05 Jun 25

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

Genrikh K.

15:59 03 May 25

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.

tammy D.

14:19 21 Mar 25

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

Christina A.

05:16 09 Mar 25

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!

D L.

21:30 04 Mar 25

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.

17:20 04 Mar 25

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.

21:06 03 Mar 25

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.

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