Single Parent Home Loans

Identifying and implementing targeted mortgage lending solutions for single parent households.

Learn More

When it comes to qualifying and being approved for a home loan, we understand all of the challenges a single parent can face. Many of our loan officers have previously experienced, or are currently experiencing, the many obstacles and responsibilities that being a single mother or father represent. While we wish we could say that mortgage lenders actually offered home loan programs just for single moms and dads, we're not here to misrepresent the truth. The fact is, there simply aren't home loan programs designed just for single parents. However, there are many programs that offer the underwriting flexibility that a single mom or dad can take advantage of to finance a home! Use our quick quote to learn more.

We have some terrific mortgage programs that offer great flexibility in underwriting to include the ability to use gift funds (charity and downpayment assistance) and closing cost assistance (seller paid up to 6% and gift sources) that can minimize the initial financial impact a single parent usually experiences when trying to qualify for financing a home. Our mortgage underwriting provides for flexible ratios that help single parent home loan applicants not only get approved for a loan, but actually close on the purchase or refinancing of their home. Use our quick quote to learn more!

For most single parents, we recommend the security and safety afforded by the FHA loan program. It is one of the most ideal mortgage solutions for a single mom or single dad who really does need the added flexibility a government-backed loan can offer. By its very nature, the FHA home loan program offers flexible qualifying ratios, superior credit flexibility, great low fixed rates, the ability to use DPA programs, and will also allow a seller to pay up to 6% of your closing costs with very few instances of underwriter restriction. The program is geared to help lower income families achieve affordable home ownership! Learn more about the many mortgage loans we can offer you by using our quick quote form.