See If You May Qualify for Buyer's Choice Options
Explore mortgage options that may help reduce your upfront costs — no first-time buyer requirement.
- May cover down payment and closing costs
- No first-time buyer requirement
- Free personalized mortgage review with no obligation
100%
Free Review
No
Obligation
Fast
Response
Subject to eligibility, credit approval, property approval and program availability.
Check Your Buyer's Choice Options
Answer a few quick questions and Oscar will review your options.
Buyer's Choice Program – Quick Overview
A flexible mortgage program designed to help qualified buyers explore options that may reduce upfront costs and simplify the path to homeownership.
$0 Down Options Available with Buyer's Choice*
Explore options that may help cover your down payment and reduce upfront costs, depending on eligibility.
*Subject to borrower qualification and program guidelines. Not all applicants will qualify.
$0 down options available depending on eligibility
No first-time buyer requirement
Not limited to specific geographic areas or military service
Flexible qualification — designed to reduce upfront costs
Want to see how this could work for you?
Buyer's Choice Mortgage Program Highlights
Does Not
Require
- Special home location
- Military experience
- Certain income limits
- First-time buyer requirement
- Homebuyer education
This program allows for more flexibility compared to many traditional down payment assistance programs.
Up To
101.5% LTV
What does this mean?
It may allow eligible buyers to cover their full down payment and a portion of closing costs.
In some cases, choosing a repayable option may provide access to a lower interest rate on the primary mortgage.
The
Choice
Option 1
5-year forgivable down payment assistance
Option 2
10-year repayable second mortgage that may help cover down payment and potentially improve the rate on the primary loan
Loan terms vary. Forgiveness is based on borrower maintaining the home as their primary residence for the required time period. If the home is sold, transferred, or no longer owner-occupied, repayment may be required. All loans are subject to credit approval, underwriting guidelines, and program availability.
How This Helps You Buy a Home
Whether you're just starting out or ready to move — these options are designed to remove the biggest barriers to homeownership.
May reduce upfront costs
Options that may help cover down payment and closing costs.
No first-time buyer requirement
Repeat buyers may qualify too.
Flexible qualification
No special location or military experience required.
Personalized review
See what fits your situation — not a generic estimate.
Improve monthly affordability
Explore programs designed to lower your upfront burden.
From renting to owning
We guide you through every step of the process.
Program availability may vary. Guidelines can change — check your options today.
How It Works
Submit Your Info
Tell us a little about your goals, timeline, and current situation.
Review Your Options
We'll review mortgage programs that may fit your needs.
Build Your Buyer Plan
Get a clear picture of possible payment, down payment, and next steps.
Get Pre-Approved
When ready, move forward with confidence.
Guidelines can change — act now
Find Out What You May Qualify For
Takes a few minutes. No obligation. We'll review your options and get back to you fast.
Program availability may vary. Limited spots available.
Why Work With Us
We don't just hand you a rate sheet. We help you understand your real options.
Licensed Mortgage Professionals
Work with licensed, experienced loan officers who know the programs inside and out.
Personalized Guidance
No cookie-cutter advice — your situation gets a real review.
Local Expertise
We know the markets you're shopping in and the programs available there.
Support Start to Closing
We're with you from your first question through the day you get your keys.
Limited consultation availability — spots fill fast.
Common Questions
Start Your Buyer's Choice Review Today
Take the first step toward understanding your mortgage options. Fill out the form and our team will reach out to discuss your unique situation.