Essex Mortgage:

Trusted by tens of thousands of families

BEST IN CLASS DOWN PAYMENT ASSISTANCE PROGRAM

DPA Eligibility Check

Answer 5 quick questions to see if you qualify

Step 1 of 5

What state are you looking to purchase in?

Our DPA program is available in most states.

Step 2 of 5

Are you a first-time homebuyer?

Or have you not owned a primary residence in the last 3 years?

Step 3 of 5

What is your approximate credit score?

Don't worry — we accept lower FICO scores.

Step 4 of 5

What is your current employment status?

Stable income helps support your application.

Step 5 of 5

Will this be your primary residence?

FHA-backed loans are for primary homes only.

✓

Great News —
You Likely Qualify!

Based on your answers, you appear to be a strong candidate for Essex Mortgage's Down Payment Assistance Program. Here's what you could access:

  • 0% down payment required
  • 100% FHA-backed financing
  • No income limits to qualify
  • Low mortgage insurance rates
  • Competitive interest rates
  • Available in your state
I'm Interested — Let's Talk
🏠

Not Quite Yet —
But We Can Help

Talk to a Loan Officer

DPA Home Loan Calculator

See your estimated monthly payment with 0% down financing

$
$100k $1M
%

Estimated FHA 30-year fixed rate. Your loan officer will confirm.

Covers your 3.5% down payment so you bring $0 down.

%

Set at FHA first rate + 2%. Adjusts automatically.

%

National average is around 1.1%. Varies by state & county.

$
$

Estimated Total Monthly Payment

$0

Principal, interest, MIP, taxes & insurance

Monthly Breakdown

First mortgage (P&I) $0
DPA second (P&I) $0
FHA mortgage insurance $0
Property tax $0
Homeowners insurance $0

Loan Structure

First mortgage (FHA, 96.5% + UFMIP) $0
DPA second mortgage (3.5%) $0
Total financed $0

Cash Needed at Closing

Traditional FHA (3.5% down)

$0

Down payment required

Essex DPA Home Loan

$0

DPA covers your down payment

You keep $0 in your pocket at closing.

See If I Qualify

Free, no obligation. Takes about 60 seconds.

This calculator provides estimates for informational purposes only and is not a commitment to lend. Actual loan terms, rates, and payments depend on credit qualifications, property type, occupancy, location, and program guidelines. FHA mortgage insurance premiums and DPA second mortgage terms vary by program and are subject to change. Closing costs, prepaid items, and reserves are not included in the cash-to-close estimates above. Program not available in Washington state. Essex Mortgage, Equal Housing Lender. NMLS #70377.

Check your Potential Eligibility:

See Real Numbers: DPA Calculator

MEET ONE OF OUR LOAN OFFICERS: DAVID PEBLEY

NMLS # 997634

dpebley@essexmortgage.com

I love my job, love to talk about mortgage options, and I’m told it comes across in every customer interaction. That’s half the battle right there, because a loan is serious business no matter how big or small and being energized from start to finish is something borrowers deserve. I pride myself on the small things that make a big difference. Be available to my clients and stay engaged no matter the circumstance. Be transparent and clear on the pros, cons, and potential outcomes without self interest coming into play. I put myself in the borrower’s shoes, if I were the customer, would I handle it the same way?

We Get More Buyers Approved.

Here's How:

Lack of Down Payment?
We have options.

Our best-in-class down payment assistance can help where traditional loans can’t.

Fast Pre-Approval


No estimates. Actual
pre-approval letters you can shop with.

One Point of Contact


A trusted, dedicated loan officer from application to keys in hand.

About Essex Mortgage

Essex Mortgage was founded in 1986 with a simple mission: to help families achieve their dream of homeownership.


For nearly four decades, we have remained proudly family-owned and operated, allowing us to maintain our commitment to personalized service and community values that larger corporations simply cannot match.

Learn More
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Who Benefits from Our Services

First-Time Buyers

If you're buying your first home, Essex Mortgage offers guidance and competitive rates to make your dream a reality.

Homeowners Refinancing

Looking to refinance? Enjoy lower interest rates and flexible terms with us.

Specialty Finance Needs

If you're wanting to buy but are in need of a special finance or other options, we work with you to get you what you need.

Contact Us Anytime

888-892-4070
Loan Servicing: 888-892-0881

essexmortgage.com/contact-us

1417 N. Magnolia Ave.Ocala, FL 34475

Data Mortgage, Inc. is an Equal Housing Lender doing business as Essex Mortgage. All loan programs, terms, and rates are subject to change without notice. Additional terms and conditions may apply. Essex Mortgage is not an agency of, nor is it affiliated with the federal government or any other entity referenced herein, except Essex Mortgage. Essex Mortgage's corporate office is located at 1417 N. Magnolia Ave. Ocala, FL 34475 Tel: 714-935-2581; Loans made or arranged pursuant to a California Financing Law license. CA Department of Real Estate License #00936013; CA Department of Financial Protection and Innovation License #603G833, NMLS #70377 . Georgia Residential Mortgage Lender Licensee #23621. AZ #0943121, ME #70377, NV #3487, WA #CL-70377. For licensing information, go to www.nmlsconsumeraccess.org

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