{"id":8697,"date":"2020-02-26T14:39:51","date_gmt":"2020-02-26T14:39:51","guid":{"rendered":"https:\/\/chenoafund.org\/?p=8697"},"modified":"2026-03-24T14:22:29","modified_gmt":"2026-03-24T14:22:29","slug":"lenders-find-chenoa-fund-down-payment-assistance-critical-to-serving-homebuyers","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/lenders-find-chenoa-fund-down-payment-assistance-critical-to-serving-homebuyers\/","title":{"rendered":"Lenders: Chenoa Fund DPA Key to Helping Homebuyers"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text css=&#8221;&#8221; text_direction=&#8221;default&#8221;]\n<h1><strong>Lenders: Chenoa Fund DPA Key to Helping Homebuyers<\/strong><\/h1>\n[\/vc_column_text][vc_column_text]<span style=\"font-weight: 400;\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"wp-image-8752 aligncenter\" src=\"https:\/\/i0.wp.com\/chenoafund.org\/wp-content\/uploads\/2020\/02\/LenderApproval-0302.jpeg?resize=895%2C596&#038;ssl=1\" alt=\"LenderApproval 0302 scaled\" width=\"895\" height=\"596\" data-pin-description=\"LenderApproval 0302 scaled\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">As a lender, you have many choices when it comes to serving first-time homebuyers. One of these choices is down payment assistance (DPA), a key product that many lenders are using to assist creditworthy, low-income homebuyers realize their dream of owning a home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Advancing its efforts to help more Americans access affordable housing, CBC Mortgage Agency (CBCMA) has released a national down payment assistance study that documents DPA\u2019s vital role as a bridge to sustainable homeownership.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The study, conducted nationwide over the summer of 2019, measured the impacts of DPA through the personal experiences of lenders and borrowers. The study can be viewed at:<\/span><a href=\"https:\/\/chenoafund.org\/lender\/2019-state-of-down-payment-assistance-report\/\"> <span style=\"font-weight: 400;\">https:\/\/chenoafund.org\/lender\/2019-state-of-down-payment-assistance-report\/<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Among other findings, the study revealed that more than nine out of ten homebuyers surveyed would not have been able to purchase a home without down payment help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also found that more than half of buyers surveyed are racial or ethnic minorities, and that more than one-third of all borrowers who received DPA are the first in their family to buy a home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The study was done to illuminate the importance of DPA to lenders and borrowers across the country, and its findings are compelling. <\/span><span style=\"font-weight: 400;\">It\u2019s clear that, without DPA, millions of Americans would be shut out of the homebuying market. With it, creditworthy buyers and their families can reap the many benefits of homeownership, which creates healthier communities and other positive outcomes for our nation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The study queried 735 lenders and more than 1,100 borrowers, asking a series of questions about the importance of DPA as well as their overall homebuying experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Respondents cited multiple factors when asked how the availability of DPA had affected their lives:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">Nearly half of all buyers said that saving for a down payment had been the principal reason they had delayed a house purchase.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">A significant portion of respondents said that, for single parents, DPA is the only vehicle that makes homebuying possible.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">More than nine out of ten borrowers who used DPA to obtain a loan said they considered their mortgage \u201caffordable.\u201d<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 <\/span><span style=\"font-weight: 400;\">Lenders called DPA particularly helpful for buyers carrying student loan debt. They also said many of their clients had been paying more in rent than the cost of their new monthly mortgage.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lenders were asked to expound why certain borrowers were offered Chenoa Fund DPA Program. 58% of respondents, representing lenders from forty-five states, took the opportunity to respond to the question. The lenders\u2019 responses follow, grouped by theme of said responses. The following sample responses reflect the majority opinions of lenders in the study.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>DPA serves borrowers who have difficulty saving for a down payment.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cChenoa Fund provides a great program and offers an outstanding loan option for home buyers that are unable to provide a full down payment but able to afford a new home. This allows for homeownership for people who would otherwise have to rent and not provide a benefit to the communities nor themselves and their families. <\/span><b>The program is a much better program than our local program<\/b><span style=\"font-weight: 400;\"> offers such as CDA and MMP program.\u201d\u2014Scott Nortman<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cDown payment is the biggest challenge my clients face. My clients have good jobs and have seen their income rise with the better economy but student loans and other debts continue to make it hard for them to save money to buy a home. Without programs like Chenoa Fund, these people might have to wait years to become homeowners. Instead, <\/span><b>they get a fair rate and payment and a chance to take advantage of the strong housing market.<\/b><span style=\"font-weight: 400;\">\u201d\u2014Jeffrey E Nunley<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cLots of borrowers are <\/span><b>paying more in rent than they ever would pay for a mortgage.<\/b><span style=\"font-weight: 400;\"> Due to bills, household expenses, and family obligations, many people do not have money set aside for down payment on a home. The Chenoa Fund has made this possible for many people and should not be ruled out as a source of funding for future home buyers.\u201d \u2014Tanisha Treadwell<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis program is extremely important because often we find people who will qualify for home loans but do not have funds to close: so, again, my clients make the income but cannot save enough money for down payment of a home, in which they <\/span><b>deserve the American dream<\/b><span style=\"font-weight: 400;\"> and will be able to have an equitable future for their children because it is the biggest investment that each citizen can and should have.\u201d \u2014Demetria Smith<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>DPA helps minorities and underserved communities in need of extra assistance.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cMy <\/span><b>minority clients<\/b><span style=\"font-weight: 400;\"> work multiple low-paying jobs and support their families while paying high rent; this DPA program allows them the opportunity to achieve the American Dream while building wealth for them and their families. Losing this program will<\/span><b> financially hurt this segment of our population<\/b><span style=\"font-weight: 400;\">.\u201d \u2014Kathren J Rosales<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis program allowed a Mexican immigrant family who did not have access to other down payment assistance programs . . . They had been working and working, cleaning up credit, trying to build savings, everything they could do to get into a home, but the housing costs just kept creeping up, and every time they took one step forward, the market took them one step back. <\/span><b>This niche program is designed to catch the people who are falling between the cracks<\/b><span style=\"font-weight: 400;\"> of traditional down payment assistance and allows them to get their foot in the door on properties instead of always playing catch up to a target advancing at the same rate.\u201d \u2014Michael Distad<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>DPA helps families, first-time homebuyers, blue-collar, and single parents<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis program is never our first choice for a borrower who can qualify with any other loan program. However, there are a select few who just need assistance due to their need for a down payment. Some of these people include families who are paying more for rent than they would for a house payment and can&#8217;t save up for a down payment. Some of these borrowers have medical issues preventing them from building up&#8230; savings. There are many more reasons that this is a necessary option for people who would <\/span><b>otherwise qualify but cannot save to own their own home. These are the people that we need to continue to help.<\/b><span style=\"font-weight: 400;\">\u201d \u2014Angela M Gerhardson<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThere are customers that cannot catch a break. <\/span><b>They finally start making enough money to consider purchase of a new home and then now they make too much and get penalized for getting a raise or job advancement, but due to the years of being underpaid they have no chance to get ownership in a home.<\/b><span style=\"font-weight: 400;\"> Without this program, they would be forced to continue to be home renters and would not be afforded the ability to own their first home. This is very important to them to get a chance to start to benefit from [the] benefits of homeownership (which is obvious). Most of my clients that need this program have a little higher credit score (near 660 or 680) but they have no down payment and no way to bridge that gap.\u201d \u2014Brent W Powell<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThis program is important to every single borrower it helps. We have used this product on a single borrower who not only needed it but deserved it. I have had many borrowers who we helped get into homeownership with the Chenoa Fund program, who start <\/span><b>crying at closing<\/b><span style=\"font-weight: 400;\"> because they never thought they could own their own home. Especially <\/span><b>helping single mothers<\/b><span style=\"font-weight: 400;\"> get into a home for their families, so they don&#8217;t have to move every year.\u201d \u2014Rebecca Skiles<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cI was introduced to Chenoa Fund in 2018\u2014this program has helped my business along with a lot of buyers that thought they could never buy. I stay in contact with the buyers to make sure they are making their payments on time and if having any issues\u2014we all need to support the 1st time home buyer with giving them the ability to own a home. <\/span><b>Most of my buyers were paying more in rent<\/b><span style=\"font-weight: 400;\"> than what their new current mortgage payment is.\u201d \u2014Tammy Swift<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cMany of my Chenoa Fund eligible borrowers are single mothers with children\u2014<\/span><b>eliminating this program will drastically hurt their chances<\/b><span style=\"font-weight: 400;\"> of buying a home!\u201d \u2014Tony Carroll<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Chenoa Fund\u2014The Nationwide Down Payment Assistance Program<\/b><\/h3>\n<p><a href=\"https:\/\/chenoafund.org\/\"><span style=\"font-weight: 400;\">At CBC Mortgage Agency<\/span><\/a><span style=\"font-weight: 400;\">, we offer Chenoa Fund, a DPA program that offers DPA in the form of second mortgages. We offer five different second mortgage products, each with their own individual underwriting requirements and guidelines, in an effort to provide options to borrowers of any income and most DTIs. Our options include products for both FHA and conventional loans; some of our products include 0% interest rates and no monthly payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/chenoafund.org\/realtor\/realtor-how-to-find-an-approved-lender\/\"><b>Click here<\/b><\/a> \u00a0to find an approved Chenoa Fund lender.<\/li>\n<\/ul>\n<ul>\n<li><a href=\"https:\/\/chenoafund.org\/lender\/become-approved\/\"><b>Click here<\/b><\/a> to become an approved a Chenoa Fund Lender<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; row_position_desktop=&#8221;default&#8221; row_position_tablet=&#8221;inherit&#8221; row_position_phone=&#8221;inherit&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; flex_gap_desktop=&#8221;10px&#8221;&#8230;<\/p>\n","protected":false},"author":4,"featured_media":8751,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37,112],"tags":[39],"class_list":{"0":"post-8697","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-chenoa-talk","8":"category-realtors","9":"tag-homeownership"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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