Important Disclaimer

Please read and acknowledge before continuing

This website is provided for educational purposes only and is intended to help users understand potential mortgage program eligibility based on publicly available census tract data.

  • •This is not a commitment to lend. Nothing on this site constitutes a loan approval or guarantee of financing.
  • •Not all listings are shown. This site displays a curated subset of properties and does not represent all homes currently for sale in the market.
  • •Eligibility determinations are based on FFIEC 2025 census tract data and are for informational purposes only.
  • •Actual rates, payments, and program availability will vary. Always consult a licensed mortgage professional.

Equal Housing Lender. NMLS #643155 — Clay Sheffrey, claydoesloans.com

NOPMISD
Price–
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Listings

Eligible for No PMI
Not Eligible

Rate Discount Tiers

Both criteria · up to 0.25% off
One criterion · up to 0.125% off
Not eligible

Criteria: minority > 50% & AMI < 80%. Borrowers making less than 80% of AMI may be eligible for additional rate discounts.

List View