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Introducing ONE+

Open the door to homeownership
with just a 1% down payment!

What Is ONE+?

A new program has arrived to help you make the leap into homeownership with 1% down payment and reduced monthly mortgage insurance. The other 2% of your down payment will be covered by our partner lender so you can apply for a home without draining your savings or scrambling to come up with more cash. This is an amazing opportunity to start building your financial future with homeownership.

Down Payment Only 1% down payment required.
Grant Lender partner pays 2% of the borrower’s purchase price as a down payment grant.
Mortgage Insurance Reduced monthly mortgage insurance cost paid by the borrower.
  • Purchase only.
  • Max 80% area median income.
  • Max 97% LTV, Min 95.01% LTV.
  • Manufactured homes allowed at 95% LTV.
  • Available nationwide.
  • Max loan amount of $350k.
Who Is Eligible?

This program is for eligible first-time homebuyers and repeat homebuyers who make less than or equal to 80% of the area median income of the property’s location. Note: Available only for purchase loans with a maximum loan amount of $350,000 and can’t be combined with any other promotions.

Terms & Conditions

The borrower will be required to pay a 1% down payment, with the ability to pay a maximum of 3%, and our lender partner will cover an additional 2% of the borrower’s purchase price as a down payment. This offer is only available on conventional purchase loans. Primary residence only. Offer valid only for homebuyers when qualifying income is less than or equal to 80% area median income based on the county where the property is located. Must lock rate on or after 5/22/2023. Offer only available on loan amounts of $350,000 or less. Not available with any other discounts or promotions. Offer cannot be retroactively applied to previously closed loans or loans with a locked rate.

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.




Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family…read more

Kirk C.

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It…read more

Julie M.

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow…read more

Cassandra C.

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.


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