What If 1% Down Was All It Took for a Home Loan? — A New Path to Homeownership for the Next Generation
- Clare R. Okyere
- Jun 11
- 3 min read
If you’ve ever felt like the dream of owning a home is slipping further out of reach — whether for yourself, your children, or someone you love — this might be the moment that changes everything.
A new opportunity is opening doors for qualified buyers to purchase a home with just 1% down, thanks to our powerful lender contribution program designed to gift 2% of the buyer's down payment, up to $7,000, to support those who need it most.
But this isn’t just about lower cash to close. It’s about rethinking how we help people build generational wealth — especially in a market where affordability is a challenge for first-time and next-gen buyers.
🏡 Why This 1% Down Home Loan Matters (Especially Right Now)
Let’s face it: saving for a down payment while juggling rent, rising living expenses, and the unpredictability of life can feel impossible — even for high-performing professionals or dual-income households.
This program is designed for buyers still in the growth phase of their income journey: often times younger professionals, essential workers, self-employed, government employees, etc.
Here’s the game-changer: With just 1% from the buyer, our lending partner contributes an additional 2% (up to $7,000), giving them the full 3% needed for a conventional down payment.
✅ That’s money that could otherwise take years to save.
✅ That’s equity they could start building now.
✅ That’s a launchpad into long-term financial stability.
Let's see if you qualify! Click to explore your options 👇👇👇
🎯 For Parents and Grandparents Stepping In to Help with a Home Loan:
Helping a child or grandchild buy a home is one of the most meaningful gifts you can give — but it doesn’t always mean handing over tens of thousands of dollars.
In some cases, all that’s needed is gift funds to cover 1% down for their home loan, a willingness to guide them, and a trusted mortgage advisor who understands the options available.
This program can dramatically reduce the amount of support needed — making it possible for more families to come together and say, “We did it.”
🤝 Why Working With a Broker Makes All the Difference
Big banks and retail lenders typically don’t offer access to this type of product. They’re limited to their own suite of options.
As a mortgage broker, our role is to shop across many lenders to find the program that fits your life — not the other way around. That means you get:
Real options designed for today’s real buyers
Flexible solutions for self-employed or income-variable borrowers
Personalized guidance that puts your long-term goals first
🔍 Is This Program Right for You or Someone You Love?
Every situation is unique — and that’s exactly why it pays to talk to someone who knows how to navigate the full landscape.
Whether you’re buying for yourself, guiding your adult children, or simply curious if this 1% down path could work for you, the first step is simple:
👉 Reach out to see if you or your loved one qualifies. Let’s explore your options together — no pressure, just clarity. Call today, or click below to get started.
Let's see if you qualify! Click to explore your options:
🌱 Because Building Wealth Shouldn’t Start With a Wall
Owning a home is still one of the most powerful ways to build wealth — and no one should feel locked out of that opportunity just because the starting line feels too far away.
The right program, the right advisor, and the right plan can make the difference. Let’s find yours.
Want to be a homeowner by 2026? Click here to request your free Buyer’s Guide 👇
At O Capital Group, we make home loans easy.
Call today!
📞 (602) 492-8930 to schedule your complimentary 1:1 strategy session or
CLICK HERE to explore your options.
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
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