DreamHome Shared Equity Program

DreamHome Shared Equity Program

Celer Mortgage is committed to making homeownership more accessible. The DreamHome Shared Equity Loan Program provides down payment assistance through a shared appreciation loan, helping first-time buyers secure a home with reduced upfront costs.

Celer Mortgage inc.
4.5
powered by Google

Key Features

Shared Appreciation Loan

Provides down payment help in exchange for a share of future home appreciation.

Zero Monthly Payments

No payments required; repayment happens when the home is sold, refinanced, or transferred.

Increased Buying Power

Significantly reduces upfront costs, making homeownership more accessible and affordable for qualified buyers.

Flexible Property Options

Applies to eligible single-family homes, condos, PUDs, and approved manufactured homes that meet guidelines.

Homebuyer Education

First-time buyers must complete a homebuyer education course to prepare for homeownership responsibilities. This course covers budgeting, mortgage management, and long-term financial planning. Our team can help you find approved education providers.

Our Customer Care Agents Are Available.

Eligibility Requirements

First-Time Homebuyer Status

Buyers must not have owned a home in the past three years.

Primary Residence

The home must be owner-occupied; non-occupant co-borrowers are not allowed.

Income Limits

Applicants must meet income limits based on county, household size, and loan type.

Property Requirements

Eligible homes include single-family units, condos, PUDs, and manufactured homes.

Our Satisfied Clients

Hear what some of our satisfied client have to say

Gabriel Reyes, amazing loan agent! As a first time home buyer our experience with him was great. He was able to answer all of our questions and doubts. All the information provided was helpful and informative. We couldn’t be any happier …More
Martha Aguilera, Happy Customer
I would like to thank Isayda Aguilar for helping us through the loan process. We finally bought our first home and I couldn’t be happier with the process! Isayda made it so simple for us to know what steps were ahead and how the process …More
Nancy Pineda, Happy Customer
Riley helped me and my brother with the purchase of our first home. Very timely with his responses to any of our questions, very thorough and informative too. On the rare occasions he did not have an answer to our questions, he ensured to  …
Daniel Utuone, Happy Customer
We worked with Cynthia on buying our home and she was phenomenal! She was always available to answer any questions we had or to explain something in further detail. Buying a home can be long and a lot of unknowns, but Cynthia really made the process so easy for us!
Desiree S, Happy Customer

How to Apply

Contact a Celer Mortgage-approved loan officer to start your application. Gather documents like pay stubs, bank statements, and tax returns. Our team will review your application, verify eligibility, and guide you through the approval process. Once approved, you’ll move forward to closing and secure your home with the benefits of the DreamHome Shared Equity Loan Program.

Our Customer Care Agents Are Available.

Contact Us

Get Started Now

Take advantage of the DreamHome Shared Equity Loan Program, Celer Mortgage is here to assist you. Contact us today to learn more and start your homeownership journey!

Stay Informed

Stay Informed. Whether you are a first time buyer or interested in becoming, real estate agent, or mortgage agent. we have classes and updates to keep you up to date. Simply add your name and email to be on the list

Join Our Mailing List

Interested in Buying or Selling? Get On The list.