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Help your clients unlock homeownership

As mortgage bankers or loan originators, you work with homebuyers all the time. With HDF’s homebuyer counseling and education programs, your clients can become prepared and informed homebuyers. Our low-interest second mortgages can help well-qualified borrowers  bridge the gap between unattainable and affordable.


LENDER Programs


Client Referral Program

Would you like to save time and build your pipeline? Do you want to retain clients who are not quite mortgage-ready? Would you like a simple system to track client status?

If the answer is yes, then HDF’s lender-friendly Client Referral Program may be for you.

Submit the referral form below and HDF will begin the intake process with the client- then once complete, HDF will provide MLO with the name of the assigned counselor. After that, you will have a direct point of contact for status updates!

View our Loan Officer Referral Form or contact us for more information.


Loan Submission Pilot Program

Counseling: Document Checklist and HDF Counseling Application

Lending: HDF Loan Application and Farmington Bank Pilot Program Submission Cover Sheet

Opportunity Map (only applicable for Statewide DAP)


Down Payment Assistance programs

In addition to HDF’s free counseling, education, and guidance, homebuyers can also take advantage of a number of down payment and closing cost assistance programs designed to make homeownership achievable and sustainable, such as HDF’s SmartMove down payment assistance loan.

Whatever your client’s circumstances, HDF probably has a second mortgage or loan to help cover their closing costs or down payment. Many of our loan products will stack, allowing eligible purchasers to access a financing package tailored to their needs and side-by-side with a conventional first mortgage from a bank. Certain restrictions may apply depending on the program.

Available Loan Products