For many, homeownership has long been considered a cornerstone of the American dream—a symbol
of stability, security, and independence. Yet, for far too many individuals and families, the path to
owning a home can seem daunting, riddled with challenges like saving for a down payment, meeting
credit requirements, or navigating the complexities of securing a mortgage. That’s where Silverton
Mortgage steps in. With a mission to unlock attainable homeownership through our financing options,
we are helping tear down barriers and build an attainable future, one home at a time.

Opening Doors for Everyone

At Silverton Mortgage, we understand the importance of providing affordable home financing solutions
that can help meet the needs of people from all walks of life, regardless of income level or background.
We believe housing is a fundamental right, and that every person deserves a place to call home. By
offering several financing options, the ability to buy down to a lower rate, and low down payment
solutions, we’re doing what we can to make it easier than ever to turn homeownership from a dream
into a reality. We strive for attainable homeownership for everyone.

For those who feel like they’ve been priced out of the housing market, we want to offer a beacon of
hope. Whether you’re a first-time homebuyer, navigating freelance income, or adjusting to life in a new
area, Silverton’s offerings can help you achieve the stability and pride that come with owning a home. Achieving attainable homeownership is about inspiring confidence and empowering individuals to take the next step.

Financing Options Tailored to You

Silverton understands that no two buyers are the same. Your circumstances, financial history, and future
aspirations are all unique, and your financing options should reflect that. That’s why we provide
pathways to homeownership through a variety of tailored programs, including financial education
services and classes through the Silverton Homeownership and Finance Center. With solutions designed
to address specific hurdles, such as limited savings or nontraditional income, Silverton opens doors that
might otherwise remain shut. Our aim is to facilitate attainable homeownership for all potential buyers.

We have programs to help overcome the challenges of modern-day homebuying:

• Mortgage Rate Buydown: Options like mortgage rate buydowns can make monthly payments
  more affordable, which can allow you to focus on building your future instead of worrying about
  your mortgage payment.

• Down Payment Assistance: If the down payment feels overwhelming, down payment assistance
  programs are available in some states and can help ease the burden and make buying your
  home financially feasible.

• Flexible Credit Qualification Options: Whether you’re rebuilding your credit or facing unique
  financial circumstances, Silverton provides options like flexible credit qualifications depending
  on your income and needs.

• Bank Statement Loans: If you’re self-employed or rely on non-traditional income sources,
  proving your financial standing can be tricky. Bank statement loans offer an alternative, making
  it possible to qualify for a home loan without conventional paystubs.

• ITIN Loans: Individuals without a Social Security number but with an ITIN (Individual Taxpayer
  Identification Number) can still put down roots and buy a home with specialized loan programs.

• Future Income Programs: For individuals with a promising financial future—such as students
  nearing graduation or professionals with a job offer—Future Income programs help bridge the
  gap while accounting for your potential.

We want to ensure that homeownership is not a one-size-fits-all journey. Instead, it’s a flexible path,
designed to help meet buyers wherever they are and guide them to where they want to be. Attainable homeownership is our goal for all clients.

Empowering Homeowners Through Education

Buying a home can be overwhelming, especially for first-time buyers navigating the new process. That’s
why Silverton goes beyond just financing—equipping future homeowners with the tools, resources, and
knowledge they need to succeed.

The Silverton Homeownership and Finance Center offers a comprehensive suite of workshops and
resources to help buyers feel prepared and informed. This includes:

• Budgeting and Saving for a Home: Learn how to manage your finances effectively and create a
  saving plan tailored to your goals.

• Navigating Down Payment Assistance Programs: Explore the options available to you in your
  area and understand how to best use these programs.

• Credit Counseling and Financial Literacy Classes: Build financial confidence by learning how to
  improve your credit score and expand your knowledge of key concepts like interest rates and
  loan terms.

These workshops are designed to eliminate the guesswork in the homebuying process, so you feel
empowered to take each step with confidence. After all, knowledge is one of the most important tools
in making homeownership attainable, and Silverton is dedicated to making sure you have it. Education plays a crucial role in attaining homeownership.

Building Stronger Communities

Silverton Mortgage’s commitment to attainable housing goes well beyond individuals. It’s about strengthening communities, fostering stability, and creating a brighter future for everyone. Each home purchased marks a step toward healthier, more sustainable communities where families can thrive for generations to come. From assisting growing families to supporting budding entrepreneurs, we desire to leave a lasting impact not only on the homeowners that work with us but on the entire housing landscape.

Conclusion

Homeownership isn’t just about owning a property; it’s about security, independence, and laying the foundation for your future. At Silverton Mortgage, the dream of owning a home can become attainable through our financing options, personalized support, and a heartfelt commitment to unlocking doors for everyone.

Whether you’re overcoming financial hurdles, navigating non-traditional income, or simply looking for a lender who understands your unique journey, Silverton is there to guide and support you. Because every person deserves a place to call home, and with Silverton Mortgage, that place is closer—and more attainable—than you ever imagined.

Building your attainable future starts here. One step, one loan, one home at a time.