HOME Ready®

HomeReady® is a Fannie Mae mortgage program designed for credit-worthy low-income borrowers. For those unable to come up with the standard 20% down, this loan is a great option. The HomeReady® program is very similar to the HomePossible® program, with just some slight differences.


One of the main differences between the two programs is that Home Ready® typically requires slightly lower credit scores than HomePossible® to qualify. Please contact a loan officer in order to get additional details about program differences and how you can qualify.



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Home Ready


  • 1-unit primary residences including eligible condos, co-ops, PUDs, and manufactured housing
  • 2- to 4-unit primary residences (no condos, co-ops, or manufactured housing)


  • Primary Only
  • Non-occupying borrowers are permitted



  • First-Time Homebuyer
  • Purchase
  • Limited Cash-Out Refinance

What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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