Graduate From Renterto Homeowner 🎓
Enroll in CoolPads University's First-Home Buyers Program. We'll walk you through every course — from credit to closing — until you earn the most rewarding diploma of all: your keys.
Your Path to Homeownership
Six courses — from eligibility to ownership. Complete them all to earn your diploma.
Know Your Eligibility
First-time buyers typically haven't owned a primary residence in the past 3 years. We'll help you verify and qualify.
Build Your Credit Score
Connect with credit counseling to boost your score and get mortgage-ready — even with limited credit history.
Down Payment Assistance
Access federal, state, and local grant programs covering down payment and closing costs — up to $25,000.
HUD Counseling 101
Free or low-cost housing counseling from HUD-approved advisors who guide you through the entire buying process.
Loan Pre-Approval
Partner lenders specializing in FHA, USDA, and VA loans — as little as 0–3.5% down for graduates.
Find Your Home
Transition from renting on CoolPads to owning. Your rental history demonstrates reliability to lenders.
Loan & Grant Programs
Federal, state, and local programs you may qualify for right now.
FHA Loan Program
Down payments as low as 3.5% with credit scores starting at 580.
USDA Rural Development
Zero down payment loans for eligible rural and suburban areas.
VA Home Loan
No down payment, no PMI, competitive rates for veterans and active-duty military.
Good Neighbor Next Door
50% off for teachers, firefighters, EMTs, and law enforcement in revitalization areas.
HomeReady™ by Fannie Mae
3% down conventional loan with reduced mortgage insurance for low-to-moderate income buyers.
State & Local DPA Programs
Every state offers unique Down Payment Assistance grants and forgivable loans. We'll match you.
Enroll in CoolPads University
Free enrollment. Our team will reach out within 24 hours with your personalized homebuyer roadmap.
Frequently Asked Questions
Do I qualify as a first-time buyer?
Generally, if you haven't owned a primary residence in the last 3 years, you qualify — even if you've owned before.
What credit score do I need?
FHA loans accept scores as low as 500–580. Conventional loans need 620+. We have partners for all credit backgrounds.
How much money do I need to save?
With DPA programs, some buyers close with as little as $1,000 out of pocket. We'll show you what's in your area.
How does my CoolPads rental history help?
On-time rent payments through CoolPads can be used as rental history documentation for FHA and DPA programs.