Luminate Path, Chenoa Fund, Indiana Housing & VLIP grants for Fannie/Freddie — lower cash to close with The 2 Mortgage Guys.
Down Payment Assistance | The 2 Mortgage Guys
Luminate Path, Chenoa Fund, Indiana Housing & VLIP grants for Fannie/Freddie — lower cash to close with The 2 Mortgage Guys.
Down Payment Assistance
Down payment should not be the deal-breaker
Luminate Path — four ways to structure assistance
Why in-house Path matters
Chenoa, Indiana Housing & VLIP grants
Want conventional? VLIP & Indiana Housing can still help
Who down payment assistance is built for
Ready to lower your cash to close?
Close with less cash out of pocket. The 2 Mortgage Guys layer in-house Luminate Path , Chenoa Fund, Indiana Housing, and VLIP grants for Fannie Mae / Freddie Mac — so Indiana buyers can get to the closing table without draining savings.
Many Indiana households can afford the monthly payment — but not 3.5% or 5% cash at closing on top of moving costs. Down payment assistance fills that gap with grants, soft seconds, or forgivable layers so you keep more cash after you get the keys.
Ryan Minick and Steve DeLon originate through Luminate Bank , so in-house Luminate Path options sit alongside partner programs like Chenoa and state / conventional grants — one team matching the stack to your file.
Program availability, income limits, and repayment terms change. This page is educational — your scenario is underwritten against current guidelines.
In-house · Luminate Bank
Luminate Path is our in-house down payment assistance menu. Four variations let us match forgiveness, deferral, repayment, or grant-style structures to how long you plan to stay, how much cash you can bring, and which first mortgage fits.
Your Luminate Path layer is originated and underwritten through the same bank that funds the first mortgage. Fewer handoffs, clearer expectations, and one point of contact from pre-approval to funding.
Partner & state programs
When Luminate Path is not the best fit — or when stacking a partner grant strengthens the file — we pull from Chenoa Fund and Indiana programs that support FHA and Fannie Mae / Freddie Mac conventional loans.
Not every buyer should go FHA. When credit, equity goals, or PMI exit timing favor a Fannie Mae or Freddie Mac first mortgage, VLIP grants and eligible Indiana Housing assistance can still cut the cash you need at closing.
We compare total cost — rate, mortgage insurance, assistance terms, and long-term flexibility — so you are not pushed into a program that only looks cheaper on day one.