Downpayment Assistance Programs

Bond Programs at NOLA Lending Group

Affordable Pathways to Home Ownership

NOLA Lending Group is committed to helping families achieve the dream of homeownership through affordable and accessible home loan solutions. Our mortgage lenders work diligently to provide low-interest mortgage loans and housing assistance designed for low-to-moderate-income families and first-time homebuyers. Guided by values like integrity, community, and dependability, we ensure every client experiences world-class service.

• What Are Bond Programs?

  Bond programs are special financing options that make homeownership more accessible. They often include reduced interest rates, down payment assistance, and other financial incentives for qualified buyers. These programs are available to low-to-moderate income families and first-time homebuyers in the communities we serve. By partnering with state and local housing agencies, NOLA Lending Group offers affordable solutions tailored to your needs.

• Why Choose NOLA Lending Group?

  As trusted mortgage lenders, we specialize in making homeownership accessible for families across the Gulf Coast. Our experienced team simplifies the process of applying for bond programs, helping you take full advantage of available opportunities. With a focus on excellence, accountability, and dependability, we ensure a seamless journey toward owning your dream home.

  Take the first step toward homeownership with NOLA Lending Group. Contact us today to learn more about our bond programs and find the perfect mortgage loan solution for you!

Louisiana Bond Programs

Louisiana and various parishes provide various bond programs for first-time homebuyers. Some assist low-to-moderate-income families. While others aid first responders, education professionals, and healthcare workers. These programs may include down payment assistance, reduced interest rates, and/or forgivable loans to support homeownership. Discover how these programs can help you buy a home in Louisiana.

• LHC - Louisiana Housing Corporation

  The Louisiana Housing Corporation works with homebuyers, lenders, realtors and homebuyer counselors to make homeownership a reality for the people of Louisiana.

  Mortgage Revenue Bond (MRB) Home Program

  Mortgage Revenue Bond (MRB) Program

  Mortgage Revenue Bond (MRB) Keys for Service

  *A homebuyer education certificate is required for all LHC loans, regardless of the loan type.

• City of New Orleans Soft Second Program

  The City of New Orleans Soft Second Program provides down payment and closing cost assistance to first-time homebuyers in Orleans Parish.

  City of New Orleans Direct Homebuyer Assistance Program

  Contact Coleena Zimet or David Gilyot today to discuss which loan program is best for you. 

• Lafayette Consolidated Government Soft Second Program

  Lafayette Direct Homebuyer Assistant Program

  For more requirements or to see if you qualify, contact your NOLA Lending Loan Officer today.

• Housing Authority of New Orleans (HANO) Program

  Housing Authority of New Orleans (HANO) Program

  The Housing Authority of New Orleans (HANO) Program provides both technical guidance and financial assistance to help HANO families transition from public housing to homeownership.

  Contact David Gilyot today to discuss this loan program. 

Mississippi Bond Programs

Mississippi offers various grant opportunities for first-time homebuyers who meet low-to-moderate-income guidelines. Additional programs cater specifically to educators, providing tailored support for homeownership. Learn more about special bond programs in Mississippi.

• Mississippi Home Corporation

  NOLA Lending offers a variety of programs with competitive interest rates and down payment/closing cost assistance to first-time homebuyers1 or low-to-moderate income homebuyers2 for properties located in Mississippi.

  Housing Assistance for Teachers (HAT)

  The Housing Assistance for Teachers Program (HAT) was designed to assist with funding to help teachers buy homes. Forgivable grant assistance if requirements are satisfied. Applicants who agree to render service as a teacher in the district for three years starting with the beginning of the school year.

  Smart6

  The Smart6 program offers assistance in the amount of $6,000 for down payment or closing costs. Repayment will be required at sale, refinance, non-owner occupied, or 1st mortgage paid in full.

  Easy8

  The Easy8 program offers assistance in the amount of $8,000 for down payment or closing costs. Repayment will be required at sale, refinance, non-owner occupied, or 1st mortgage paid in full.

  Trusty10

  The Trusty10 program offers assistance in the amount of $10,000 for down payment or closing costs with a monthly payment option. Repayment will be required at sale, refinance, non-owner occupied, or 1st mortgage paid in full.

  ¹Individual program requirements vary. First Time Homebuyer generally means that the borrower has not had an ownership interest (sole or joint) in a residential property during the 3 year period prior to application. 2Income varies per county, family and target area. Homeowner education may be required via an approved HUD counselor/vendor to qualify for specific programs, additional fees may apply.

Florida Bond Programs

Florida and select Florida counties offer several programs to assist first-time homebuyers and other qualified buyers with down payment assistance and special financing options. These programs aim to make homeownership more affordable for residents across the state. Learn about assistance programs specific to Florida.

• Florida Housing Finance Corporation (FHFC)

  1. FL First Loans Bond
  2. FL Homeownership Loans Program
  3. HFA Preferred/Advantage Conventional Bond Program
  4. HFA Preferred/Advantage Conventional HLP Bond Program

  TBA Programs:

  1. TBA FL Assist Government Program
  2. TBA FL Assist HFA Advantage Conventional Program
  3. TBA FL HLP Government Program
  4. TBA FL HFA Advantage HLP Conventional Program
  5. TBA HFA Advantage PLUS Conventional Program

  For more information about these programs

  1. Hometown Heroes – TBA
  2. Hometown Heroes – Bond

  For more information about these programs

  *First Federal Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. Florida Housing’s First Time Homebuyer (FTHB) Program offers 30-year, fixed-rate, FIRST mortgage loans to first-time homebuyers through participating lenders and lending institutions throughout the State of Florida. Eligible borrowers may also participate in one of Florida Housing’s second mortgage programs to assist borrowers with down payment assistance and closing costs. If you are not a first-time homebuyer, you may still be eligible to participate if you are purchasing a home in a federally designated targeted area or if you are a qualified Veteran. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.

• City of Pensacola / Escambia County

  1. State Housing Initiatives Partnership (SHIP)
  2. HOME Homebuyers Program
  3. City of Pensacola Housing Initiative Program (COPHIP)

  For more information about these programs

  *First Federal Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.

• Santa Rosa County

  1. State Housing Initiatives Partnership (SHIP)
  2. HOME Homebuyers Program

  For more information about these programs

  *First Federal Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.

Nationwide Bond Programs

We proudly offer bond programs nationwide (excluding Kansas, Maryland, New Jersey, and New York) designed to meet the unique needs of local communities. Explore the options:.

• HELP Grant Program

  Homebuyer Equity Leverage Partnership (HELP) Program

  The purpose of the Homebuyer Equity Leverage Partnership (HELP) Program is to provide down payment and closing cost assistance for qualified, first-time homebuyers.

  Some Requirements Include:

  • Must be a first-time homebuyer
  • Household income must not exceed 80% of the area median income (AMI)
  • Must contribute at least $500
  • Homebuyer may not receive cash back at closing
  • Must complete Homebuyer Counseling Course

  For more information about these programs

  The HELP Grant is offered by the Federal Home Loan Bank of Dallas (FHLB) to assist low-income, first-time homebuyers in Louisiana, Arkansas, Mississippi, New Mexico, and Texas with down payment and closing cost assistance. Eligible borrowers can receive up to $20,000.00 in assistance on a first-come, first-served basis.

  Available funds for this program start over at the beginning of each calendar year. HELP funds are available until the member maximum for NOLA Lending Group is reached or program funds are depleted, whichever comes first.