Down Payment Assistance – Helping You Take the First Step With Confidence

Down Payment Assistance programs are designed to make homeownership more accessible, especially for first-time homebuyers or those who may not have a large amount saved upfront. These programs help cover a portion—or sometimes all—of the required down payment, easing the financial pressure of getting started. I help you explore the Down Payment Assistance options available in your area and match you with the program that best aligns with your goals and financial situation.
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Kris McCurry, known throughout the industry as Mr. Preapproval, is a Florida and Ohio-based mortgage Branch Manager who helps realtors, homeowners, and buyers nationwide secure fast, stress-free financing. His team offers a full range of mortgage solutions, including VA loans, FHA loans, conventional loans, and USDA loans for buyers who qualify for government-backed programs, as well as jumbo loans and non-QM loans for borrowers with unique financial profiles. Self-employed clients can explore bank statement loans or profit and loss loan programs, while investors benefit from specialized options like DSCR loans, investment property loans, and Airbnb rental loans. Homeowners looking to tap into equity can turn to HELOCs or bridge loans, and those planning a getaway property can look into vacation home loans. For business owners, commercial loans provide financing for income-producing properties. Kris also proudly supports first-time homebuyer loans, down payment assistance programs, and the Homes for Heroes program, which rewards veterans, teachers, first responders, and healthcare workers with savings on their home purchase. With this breadth of loan programs and a client-first approach, Mr. Preapproval delivers clear, honest guidance for every type of borrower and financial situation.

A Pathway to Homeownership Without the Overwhelm

Saving for a down payment can be one of the biggest challenges in purchasing a home—but it doesn’t have to be. Down Payment Assistance programs are created to support buyers who are ready to own but need help with the initial costs. I’ll walk you through eligibility, income guidelines, and how the funds can be used so you know exactly what to expect. With the right guidance, the process becomes smooth, empowering, and achievable.
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Support for First-Time & Returning Homebuyers

Down Payment Assistance is not just for first-time buyers—many programs are also available for those returning to the market or purchasing again after financial changes. Whether you’re stepping into homeownership for the first time, or re-entering with new goals, I’ll help you understand which assistance options you qualify for and how they can reduce your upfront investment. Your path to ownership should feel within reach—and I’m here to make sure it does.
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Benefits of Down Payment Assistance

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Reduces the upfront cost of purchasing a home

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Makes homeownership more accessible and achievable

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Available to first-time and repeat homebuyers depending on program

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Helps create a more comfortable, sustainable monthly payment

Tailored Options for Different Financial Situations

From grants that don’t need to be repaid to low-interest second loans designed to support long-term affordability, Down Payment Assistance comes in multiple forms. I take the time to review your financial picture and match you with the choice that best supports stability and comfort—not just qualification. The goal is not just to get you into a home, but to ensure your payments remain manageable for your lifestyle and future plans.
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Why Choose Us – Your Trusted Partner in Home Financing

At Mr Preapproval Team, we understand that every borrower’s financial situation is unique. That’s why we provide tailored mortgage solutions designed to fit your goals, whether you’re purchasing your first home, upgrading to a new property, or investing in real estate. With a focus on transparency, clear communication, and personalized guidance, we make the home financing process simple and stress-free.

Kris takes the time to understand your needs, explain your options, and help you make informed decisions every step of the way. From application to closing, our commitment is to provide expert support, reliable advice, and a seamless experience — ensuring you feel confident and empowered throughout your homeownership journey.

We are known for

Personalized Guidance: We take the time to understand each client’s unique financial situation and goals, providing tailored mortgage solutions that fit their needs.

Transparent Process: From start to finish, we prioritize clear communication, ensuring borrowers understand every step of the home financing journey.

Expertise Across Loan Programs: Whether it’s conventional, VA, USDA, Non-QM, or investment property loans, our team has the knowledge to guide clients through any mortgage scenario.

Commitment to Client Success: We focus on building long-term relationships, supporting clients not just in securing a loan but in achieving their overall homeownership and financial goals.

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"FAQs"

Down payment assistance programs help homebuyers cover a portion — or sometimes all — of the down payment required to purchase a home, easing the financial burden of getting started.
No. While many programs are designed for first-time buyers, others are available to returning homebuyers or those purchasing again after a change in financial circumstances.
Assistance can come in different forms, including grants that don’t need to be repaid or low-interest second loans designed to support long-term affordability.
Eligibility depends on factors like income guidelines and program-specific requirements, which vary by location. Working with a loan specialist can help determine which programs you qualify for.
It depends on the program structure. Some options are designed specifically to help create a more comfortable, sustainable monthly payment while also reducing your upfront costs.

Let’s Open the Door to Your New Home

The Mr Preapproval Mortgage Team believes that finding the right loan should be a smooth and stress-free experience. Our team is dedicated to guiding you through every step of the mortgage process, ensuring you receive the loan program that best fits your needs and goals. With a wide range of financing solutions and a commitment to personalized service, we take pride in helping families and investors achieve their dreams of homeownership and financial growth.