A down payment assistance program that covers 3.5% to 5% of your purchase — with no income cap, no first-time buyer requirement, and a 580 FICO minimum. The only question is: are you ready?
Tell us a little about your situation — Frank will reach out personally within 24 hours.
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Here's what actually matters — and what doesn't. Most people are surprised by how much is in their favor.
A 580 FICO qualifies with DU Approval. Manual underwrite at 600. You don't need perfect credit — you need a plan.
There is no income cap on this program. Whether you earn $35K or $135K a year, the door is open.
No first-time homebuyer requirement. If you owned years ago or are buying again — this program doesn't care. It cares that you're ready now.
A family member who doesn't live in the home can co-sign and help you qualify. Parents, siblings — it's allowed.
100% of your down payment and closing costs can come from a gift. Your family can help you get into a home.
This specific DPA program is for primary residences only. Investors — we have a separate program built just for you.
Assistance covers your entire required down payment and can go beyond it.
Combined Loan-to-Value — including the down payment assistance layer.
DU Approved. Manual underwrite at 600. Real qualification for real people.
The seller can cover up to 6% of your closing costs. Reducing cash needed to close.
25-year term available for lower total interest paid.
Reduce your rate 2% in year one, 1% in year two. Lower payments when you need it most.
No mystery, no runaround. Here's exactly what happens after you reach out.
Fill out the quick form above. Takes about 60 seconds — no credit pull yet.
Personal call within 24 hours to review your situation and run your numbers.
We pull your credit, confirm your income, and issue your pre-approval letter.
Shop with confidence. Your agent knows you're qualified and your financing is handled.
Can't say anything except Wow. The most easiest process ever. They helped and answered all the questions, stayed in communication through the whole process. They made buying a home so worth it. Thank you Frank! You made it happen for us!
The most professional person. He says what he means and means what he says. I will not work with anyone else — he has my business for life. Smooth easy process.
This man is Phenomenal! I can't thank him enough for making this new home a reality for my family. The hard work and consistency he put in is definitely the reason why I would recommend him for anyone! If you're looking for someone night and day, Mr. Frank is certainly your man!
At The Burks Lending Group, empowered by NEXA Lending, we provide personalized mortgage solutions for homebuyers, homeowners, and investors across Middle Tennessee. Whether you're purchasing a home, refinancing, or investing in property, we're here to make the process easy, affordable, and tailored to your goals.
The down payment isn't the obstacle you think it is. Let's find out what's actually possible — today.