Select Smart Plus

Looking for a loan program that doesn’t require any money down, but still keeps your monthly payments affordable?


Most conventional options require mortgage insurance for loans without a 20% down payment. Select Smart Plus is a first and second mortgage loan program that helps cover the down payment. On top of that, there is no mortgage insurance required, which can save you money each month. With Select Smart Plus, you’re saving on up-front costs AND your monthly payments – it’s the best of both worlds.


Program Details:

  • No down payment
  • No mortgage insurance
  • Up to 1% in closing cost assistance
  • Conventional fixed first mortgage
  • Second mortgage is 4% of the lower of the sales prices or appraised value and may be used toward closing costs and down payment
  • As low as 660 FICO

Are you ready to get pre-approved? Find a loan originator in your area today to take this important initial step toward your first or next home.

Geographic restrictions apply.