The site says that you have to use their realtors and their lenders. That's a red flag for me! They say that they are a 501 (c) (3) organization, but I would want to verify that. I don't see why they would limit your choice of realtor and lender. It could be that the ones they use have higher interest rates. I would be very cautious.

There are legitimate grant programs available at any given time throughout the USA.  I worked with several programs like that in FL for buyers. In our area the grants were usually available first come first serve for a specified time frame, there were usually income limitations , and they were funneled through mortgage companies and banks. 

Rather than take a chance on a website, I'd recommend calling a local mortgage company or bank and see if there are any grant or bond programs active in your area.  

I can think of some reasons for them to specify you must use their Realtors, title companies etc; one being their preferred "partners" may have agreed to reduce their fees.

If this is legitimate, your local lenders will also know about it and if they do not, I would steer clear for now.

Carine, I did some research on fundmyhome.org and here is what I'm perceiving is going on. On their webpage when I click on "search homes" I'm directed to a page that ties the website to United Realty Group, Inc which is a real estate brokerage located in several US states.  I looked them up at the FL Dept of Professional Regulation and they are a legitimate real estate brokerage in south FL.  

I believe instead of linking up with a specific grant program you would actually be linking up with United Realty Group and that is why they are committing you to agree to work with only the Realtors fundmyhome.org recommends.

I don't think it's a scam, but I don't think they are making full disclosure about what is actually happening here.  My guess is fundmyhome.org is affiliated with only, or is, United Realty Group. You can obtain exactly the same information by contacting bank or lenders in your area that will be privy to any open grants or bond programs  without an agreement you must work with any particular Realtor. 

Not all mortgage companies or banks will work with bond or grant programs, but  enough do that you should be able to find one in your area if there are any available at this time. There is only so much funding available for this type of program, but when money is exhausted under one program, another usually pops up in a short future, depending on the state participation.

Here is a link I ran into that will explain how the grant and bond programs work and this link is more transparent than fundmyhome.org.  I hope you are able to take advantage of down payment assistant programs in your area!

https://smartasset.com/mortgag...-assistance-programs

 

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