Energy-Smart FHA down payment assistance · For brokers
Offer up to 5% FHA down payment assistance — no income caps, no second payment.
Become the broker with the deal that sets you apart. The product is differentiated, the marketing is built, and approval is free.
Get approved with MLB
One product. A bigger book of business.
Top originators don't win on the number of products they carry. They win on the one that sets them apart: the deal that gets the call, closes the borrower, and brings the next five loans with it.
This is that deal. You serve buyers who'd otherwise walk away because they are short with funds up front. You become the broker who found a way. Earn that borrower once, and the rest of their business follows.
What you can offer: Up to 5% of the purchase price toward down payment, closing costs, or a rate buydown. No second payment, no income caps, and no 1099s for your buyers. The first mortgage is a standard FHA loan at market rate, structured to close like any other.
Quick Facts
From handshake to closing.
Get approved.
Apply through a broker-ready Arcasa lender. With MLB's free in-house partner approval it can be a same day approval.
Find the fit.
Any FHA buyer who's short on down payment is a great candidate.
Submit to your lender.
Your lender runs it from start to finish. Solar questions route to Arcasa, so you can be sure that they're being handled by the experts.
Close & keep the relationship.
Your borrower gets the home. You get the credit, and the rest of their business.
What your borrower actually gets.
Help with the down payment. Support on closing costs. Room to buy down the rate. One FHA loan, one payment, 30-year fixed. FICO from 620, with no income limits and no homebuyer-education requirement.
The mechanism? Solar, financed into the mortgage, installed after closing (about 60 days) and managed end to end by Arcasa. Homes with solar also sell for roughly 4.1% more, per Zillow. Your borrower affords the home today and owns a more valuable one tomorrow.
Your fastest path: MLB Wholesale
Focused on the wholesale channel and the one that's gone all in on this program.
"Green Advantage is more than a mortgage product, it is a solution that helps our broker partners stand out in a crowded marketplace while creating real financial benefits for the families they serve. By combining homeownership with energy-efficient improvements and meaningful incentives, brokers can help clients reduce costs, increase long-term value, and achieve their dreams of homeownership. That's what makes Green Advantage so powerful, it allows us to create a win for the borrower, a win for the broker, and a win for the future."
— Laura Brandao, MLB President
You bring the borrower. MLB brings everything else.
Free approval and no third-party fees
MLB built its own onboarding platform, so signing up costs nothing.
Pre-built marketing materials
Flyers, presentations, and other pieces are compliant and ready to send. Giving you time to focus on what you're good at, closing loans.
Training that sticks
A full education suite and a growing video library are available to you. Updated every time the product changes.
Top-tier customer service
From day one you get a client services team, not one AE and then silence. On the line until 8 PM ET to walk you through any point of the deal.
Questions brokers ask first.
Free with MLB: no third-party application fee, and none of the outside onboarding system you've used at other lenders. Costs vary by lender.
Become the broker with the deal that sets you apart.
The product is differentiated, the marketing is built, and approval is free. The only thing missing is you.