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Meet SmartBuy™

Innovation in Affordable Lending

Down payment assistance products to help home buyers purchase the home of their dreams!

Key Benefits

  • Utilize with either FHA or USDA loan to purchase a home
  • Up to 5% of purchase price can be used towards borrower’s down payment, closing costs, or to lower rate on the underlying mortgage.
  • Fully forgivable or repayable options
  • No income or first-time homebuyer restrictions
  • Available in all Click n’ Close, Inc. origination channels
SmartBuy

Home Buyers or Realtors

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Wholesale Brokers & Mini-Correspondents (non-delegated)

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Correspondent Originators (delegated)

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© 2026 Click N' Close, Inc., NMLS 150009 (www.nmlsconsumeraccess.org) is an equal opportunity lender, Arizona Lic 0917159; licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act Lic 4131103 regulated by the Colorado Division of Real Estate; Georgia Lic 31847; Illinois Residential Mortgage Licensee MB.6760775; Kansas Licensed Mortgage Company MC.0025093; Massachusetts Lic ML150009; New Hampshire Banking Department; Oregon ML-5045; Washington Lic CL-150009.
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