Start your journey toward homeownership! 


The Opportunity Home Loan Fund provides competitive interest rates and down payment assistance to eligible income borrowers seeking to purchase their first home. This program allows borrowers the opportunity to qualify for small dollar mortgage loans.


    • $500 down payment borrower investment
    • Approval based on credit behavior vs traditional credit scores
    • 20 year fixed rate mortgage loans
    • Down payment assistance for eligible borrowers

    Eligible Homebuyers

    • First time homebuyers
    • Meet the qualifying underwriting criteria
    • Occupy the home as a primary residence

    Eligible zip codes

    • Eligible borrowers must purchase a home in the following zip codes: 38106, 38107, 38108, 38109, 38112, 38114, 38122, 38126, and 38127.

    For more information about the Opportunity Home Loan Fund, please contact our Mortgage Program Manager, Mrs. Garry Witherspoon, at [email protected] or 901-946-9675.