Inspire 100: Making Home Loans Fair & Accessible

Tired of saying "someday" about homeownership? We created the Inspire 100 loan program for people like you. With up to 100% financing and only $1,000 down, the door to homeownership is wide open.

A New Path to Homeownership

The philosophy behind our Inspire 100 loan program is simple:

Traditional mortgage requirements shouldn't stand between qualified buyers and their dreams of homeownership.

As members of the Equitable Homeownership Collaborative, we believe everyone deserves a fair shot at building generational wealth. Inspire 100 offers a pathway by removing the traditional barriers that keep capable buyers from achieving their homeownership goals.

Program Information

Is Inspire 100 Right For You?

Inspire 100 was designed for aspiring buyers who are ready for homeownership but may not qualify for a conventional loan. Ideal candidates include:

First-time buyers who have a steady income but haven't been able to save for a 10-20% down payment
Long-time renters who have a history of timely payments but struggle to meet stringent loan criteria
Working professionals who have strong earning potential but don't fit conventional lending requirements
Families who are ready to build generational wealth but need a flexible approach to qualification

Inspire 100 provides flexible financing solutions that empower individuals and families to achieve sustainable homeownership.

How Inspire 100 Makes Homeownership Possible

No Mortgage Insurance Required

Save thousands over the lifespan of the loan with no private mortgage insurance requirement.

Up to 100% Financing Available

Unlike conventional programs which typically require 10% down, Inspire 100 offers 97-100% financing.

Just $1K to Get Started

With a minimal $1,000 down payment requirement, our program transforms homeownership dreams into reality.

Simplified Savings Requirements

Our Inspire 100 program only requires one month of reserves after closing—not several months as required by most lenders.

Fixed Rate Peace of Mind

Lock in your rate with confidence, knowing your monthly payment will stay the same for the duration of the loan.

Flexible Qualifying Terms

Our underwriting process considers your full financial profile—not just the numbers. That flexibility means more opportunities to qualify.

Eligibility at a Glance

Do you:

Have stable employment or income history?
Have responsible credit practices?
Currently make monthly rent payments equivalent to mortgage payments?
Want to establish long-term roots in your community while building generational wealth?
Have limited savings but strong motivation for homeownership?

Inspire 100 was created with you in mind!

Start Your Homeownership Journey Today

With Inspire 100, you only need $1,000 to get started, and we'll finance up to 100% of your home's value. No mortgage insurance costs. No complex savings requirements. Just a clear path forward.

Helpful Tools

First-Time Home Buyers

Not sure where to begin? Follow our step-by-step guide and you’ll be in your new home in no time.

Calculators

How much home can you afford? Run the numbers with our handy loan calculators.

FAQs

Have questions about getting a loan? We’re happy to help! Get answers to the most common questions.

Words From Our Happy Homeowners

“The entire process was wonderful. Great staff, always helpful. Simply a great experience.”

Dondi S

First Time Home Buyer

What We’re About

We’re a Kentucky mortgage lender that believes everyone deserves safe and affordable housing. Our overarching mission is to uplift communities throughout Central Appalachia and beyond, and we know that begins with ensuring everyone has a place to call home.

More About Us