Our Mission:

Nonprofit Mortgage promotes homeownership to those in all demographics through down payment assistance programs.  We focus on those who have experienced a financial setback due to a medical event and those in a historically underserved housing demographic.

Who We Are:

  • Nonprofit Mortgage is a 501(c) 3 public charity. 
  • We serve those in all demographics from the affluent to the first-time homebuyer.
  • ​All donations go to our down payment assistance fund helping borrowers in need.
  • ​A portion of our loan origination income also goes towards our down payment assistance fund.

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​When you use Nonprofit Mortgage, you are helping others attain their American Dream of homeownership.

We all benefit.​

  • Lower interest rates: Nonprofit Mortgage may offer lower interest rates on mortgages than other for-profit brokers. This is because Nonprofit Mortgage is not focused on making a profit, we reinvest our earnings into providing more down payment assistance to our clients.
  • Focus on community: Nonprofit Mortgage often has a strong focus on serving their local communities. This means we can work with borrowers who have non-traditional income sources or who may not meet the strict requirements of most mortgages. 
  • Social mission: Nonprofit Mortgage has a social mission or purpose that guides our work. If you share our values, you may feel more comfortable working with Nonprofit Mortgage.
  • Access to education and counseling: We offer education and some counseling services to help borrowers understand the homebuying process and manage their finances. This can be especially valuable for first-time homebuyers or those who need extra support.  
  • Low-income mortgages: These programs are designed to help people with limited incomes afford homeownership. They may offer lower down payment requirements, more flexible credit score requirements, and other features to make homeownership more accessible.
  • First-time homebuyer mortgages: These programs are geared toward people who are buying their first home. They may offer special benefits such as down payment assistance, lower interest rates, or education and counseling services.  
  • Jumbo mortgages: Jumbo loans are for borrowers who need to borrow more than the conforming loan limits set by Fannie Mae and Freddie Mac. These loans can be used to purchase high-value properties or to refinance existing mortgages.
  • Commercial mortgages: Commercial mortgages are used to finance non-residential properties such as office buildings, warehouses, and retail spaces. These loans may have different requirements than residential mortgages, such as higher down payments and more rigorous underwriting.  
  • Government-backed mortgages: These programs are insured by government agencies such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). They may offer more flexible credit requirements, lower down payment options, and other benefits for eligible borrowers.
  • Down Payment Assistance (DPA): We have dozens of down payment assistance programs available. Nonprofit Mortgage offers a DPA that is a true gift to you and does not delay the loan process. (some restrictions apply, subject to mortgage approval)