Think You Can’t Afford to Buy a Home? Think Again—Own with Just 1% Down!

Think You Can’t Afford to Buy a Home? Think Again—Own with Just 1% Down!

If you’re a recent college grad, first-time homebuyer, or aspiring homeowner, owning a home might be closer than you think – even if your savings account is looking slim.

It’s no secret that rising home prices, high interest rates, and inflation have made entering the housing market feel like an impossible dream. But with programs like ONE+ by Mindful Mortgage, you can turn that dream into reality with just 1% down – and even that can be gifted from family!

Here’s how you can buy a home with little or no assets using innovative solutions like ONE+.

What Is ONE+?

ONE+ is a groundbreaking low down payment mortgage program, designed to help people like you achieve homeownership with minimal upfront costs. Whether you’re tackling student loans, juggling expenses, or trying to save while renting, ONE+ makes it easier for first-time and even repeat homebuyers to own their homes.

Why Choose ONE+?

✅ Only 1% Down Payment – And it can be gifted by a family member!

✅ 2% Grant from Mindful Mortgage – Instant equity from day one.

✅ No Private Mortgage Insurance (PMI) – Lower monthly payments.

✅ Backed by Fannie Mae – A secure and trusted option.

With ONE+, you could be sipping coffee in your new living room sooner than you thought possible.

Who Can Qualify for ONE+?

This program is perfect for anyone who’s credit-qualified but needs affordable financing to make homeownership a reality. Here are the qualifications you need to meet to be eligible for ONE+:

• Credit score of 620 or higher.

• Income limits based on the county where you’re buying your home.

• Loan limit of up to $350,000 (ask us about options for higher limits with our 3% down programs).

• Eligible properties include single-family homes, condos, and planned unit developments (PUDs).

• Property must be your primary residence (no second homes or investment properties).

Does this sound like you? Then you could qualify to buy a home with just 1% down!

How ONE+ Saves You More

ONE+ is designed with affordability in mind, offering several ways to reduce your upfront costs and monthly payments while maximizing your home-loan value.

🏡 Down Payment Assistance

Your 1% down payment can be covered entirely by gifts or grants, making it possible to purchase a home with ZERO out-of-pocket costs.

🏡 Lower Monthly Payments

With no PMI required, your monthly payments are lower, putting more money back in your pocket every month.

🏡 Seller Contributions

Sellers can contribute up to 3% toward your closing costs, reducing your upfront expenses even further.

🏡 Flexible Income Options

Rental unit income may be used to help you qualify for your home purchase.

🏡 Temporary Rate Buydowns

Lower your initial mortgage payments for the first few years, making homeownership even easier to manage.

ONE+ doesn’t just help you save on costs—it helps you start building equity and financial security from the moment you step into your new home.

Why ONE+ is a Game-Changer

For many aspiring homeowners, the biggest myths about buying a home are that you need a 20% down payment or perfect credit. That outdated mindset can keep you renting for longer than necessary. But with ONE+, here’s what you can achieve:

✔️ Start building equity today, instead of waiting years to save a larger down payment.

✔️ Secure your dream home at today’s prices, before they increase even more.

✔️ Stop throwing money away on rent, and begin investing in your future.

Your financial situation doesn’t have to hold you back—ONE+ makes homeownership accessible, breaking down barriers along the way.

Real-Life Example of ONE+ in Action

Here’s what buying a home with ONE+ could look like:

• Home Price = $300,000

• 1% Down Payment = $3,000 (which can be gifted by family!)

• 2% Grant from Mindful Mortgage = $6,000 (instant equity!)

• Seller Contributions = Covers up to 3% of closing costs

Thanks to the grant and the no PMI option, you’d save approximately $175 per month compared to a traditional loan with PMI. That’s an extra $2,100 in savings each year – plus the $6,000 grant from Mindful Mortgage for equity!

With ONE+, you can save more, pay less, and start living your homeowner dream faster.

How to Get Started With ONE+

Buying a home is one of the biggest financial decisions you’ll make, but that doesn’t mean it has to be overwhelming. With ONE+, we’re making the process easier, more affordable, and totally within reach.

Here’s how to take the next step:

1. Schedule a Consultation – Our expert advisors will walk you through the details and see if ONE+ is the right fit for you.

1. Get Pre-Approved – Once you’re pre-approved, we’ll help you find the perfect financing solution for your new home.

1. Start Your Journey to Homeownership – With your financing in place, you’ll be ready to start searching for your dream home!

💬 Interested? Contact us today or click below to schedule your free consultation.

📩 Schedule My Consultation Today!

Together, we can make your dream of homeownership a reality. Whether you’re just starting to think about buying a home or ready to take the next step, we’re here to help every step of the way.

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