Verified against Matrix v4.19

Do you want to buy a home?

It is not renting. It is not a mortgage. It is a fourth thing.

Yes, but I was told I do not qualify I have an ITIN I am an agent or loan officer

580

Credit score standard. Below that is an exception, not a promise.

Matrix 3.5

3.5%

Minimum down payment you have to document.

Matrix 3.7

40 years

Amortization on the homeownership agreement.

Arrive Home

0.5%

Program management fee, on the purchase price.

Matrix 3.15.3

Start where you stand

I want to buy a home

What it is, what you pay, what you risk, and whether you qualify.

I am a loan officer

Hard requirements, exceptions, fee caps, and how to present it without overpromising.

I am a real estate agent

What kills the deal on the property, and how to write the offer.

I am a lender

Correspondent approval, the fee structure, and where the risk sits.

Why this site exists

Most of what is written about this program is either a sales pitch or a guess. We read the source: the Arrive Home EEP Product Guidelines v4.25 and the EEP Product Matrix v4.19. Every number on this site carries a citation back to a section of those documents, so you can check us.

We also publish the parts that cost you money and the parts where you can lose. If you can qualify for a normal FHA or conventional mortgage, get the mortgage. It is cheaper and simpler. We will tell you that to your face.

Two tools, no email required

Payment estimator

Real monthly payment and real cash to close, with every fee itemized.

Open the tool

Your monthly payment

$3,856

Principal and interest, 40-year schedule: $3,019.39
Mortgage insurance: $199.03
Property taxes: $412.50

Do I qualify?

Ten questions. Three honest answers: yes, only by exception, or no.

Open the tool

You meet the published standard

Possible, but only by exception

Not with the answers you gave

Get connected

Every application goes through a licensed loan originator.