Four product families. Dozens of structures. The right combination is whatever closes the deal in front of your sales rep this afternoon — and we can usually quote it inside an hour.
Builder partners lose contracts when the typical lender shrugs. HFG's in-house portfolio and zero-overlay approach keeps the buyer in the home — here are the four scenarios we close every week.
We carry three separate DPA programs so when one doesn’t fit, another usually does. No single point of failure — your buyer profile aligns with at least one program’s mission.
Self-employed buyers are often excellent candidates — they just don’t document income the traditional way. HFG carries an in-house portfolio built for exactly this.
A lower score or tighter debt ratio doesn’t mean the buyer isn’t ready — it means they need the right lender. We underwrite to agency guidelines with zero overlays, and our manual underwriting process extends the path further.
The double-payment objection is one of the most common reasons move-up buyers don’t move forward with new construction. We eliminate it — the buyer doesn’t have to sell or even list their home to qualify.
Three common structures on a $400,000 FHA scenario. Builder concession funds the temporary buydown. Year-one payments shown — your sales reps walk into the contract conversation with real numbers.
Illustrative scenarios on $400,000 FHA purchase at 3.5% down. Annual Percentage Rate (APR) 6.375%. Rates current as of 05/29/2026 and subject to change daily without notice. Payments shown are principal and interest only — do not include taxes, insurance, MIP, or HOA dues. Not an offer to lend. Other restrictions and limitations may apply.
In most cases yes — on FHA the seller can contribute up to 6% and DPA layers on top. We confirm DPA program eligibility at pre-app and structure the concession around it.
We hold pricing for 15 minutes from quote and offer same-day lock at the contract table. Your dedicated builder rep can re-issue revised quotes within minutes if the structure changes during negotiation.
Same-day in 96% of cases. We push updated pre-quals directly into your CRM if you’re integrated; otherwise PDF in inbox within hours.
Our internal review team has 48 hours to substantiate. If it stands, we offer three structured paths to close — including builder-funded gap loans on qualified files.
Yes — pre-app credit counseling, scenario walk-throughs, and a digital workbook your sales floor can hand to buyers on day one. Co-branded with your community on request.
HFG handles CPM, PERS, and DELRAP in-house. We don’t outsource — that’s the difference for attached communities.
Send us your current inventory list and price points. We'll come back with three structured scenarios and the year-one payment math your sales team can use this week.
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