Want up to $25,000 

in down payment and closing cost assistance?

Watch our free video

Contact us below!

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Down Payment Assistance up to $25,000!

We are one of the very few lenders that offer multiple down payment assistance programs.

We work together with our clients to help find the best program for their situation

Have questions?  Want to see if you're eligible?

Fill out the form below and get started!

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One Stop Shop!

Whether it's your first home or not, if it is your goal to take advantage of free government energy upgrades or just come out of pocket as little as possible.  We'have helped thousands of families by making this complicated process as simple as possible.

Minimum Credit Score of 620

Almost all Down Payment programs start with a 620 minimum credit, but don't worry if you don't meet the score requirement today, let us see if we can help! Often times, small changes can have a big impact on your credit score - you may be closer than you think!

Or Call (888) 236 - 9396

Your info is private and never shared.


"Very informative video, so glad I watched it and I did use their 1st time buyer down payment assistance program.  Thank you so much ELA!"


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"We came to ELA after we were pre-qualified else where and didn't like our monthly payment and our previous lender was not interested in helping us with down payment assistance. ELA showed us our options and was very helpful in getting us a better loan with a better payment.  I would gladly recommend ELA to anyone who needs help with buying a house. Thanks ELA!

                                                                  Ross and Heidi

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"For us, the biggest issue was coming up with the down payment, after I watched the video and had my questions answered.  I felt really good and clear about the process.  Thanks ELA for helping me and my family!"  

                                             Amy and Jeremy


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Message from ELA President 

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"My name is Samuel Martinez, Veteran and President of ELA, I've had the pleasure of helping thousands save money and buy their first home.  It is my goal to make home ownership a reality and help families find the best mortgage."