AnnieMac Home Mortgage · NMLS #203415 (866) 992-1065  ·  (646) 977-1860
DC Davian Clarke
AnnieMac Home Mortgage · NMLS #203415

AnnieMac Home Mortgage · NMLS #203415

You Don't Need 20% Down to Buy Your First Home

I'm Davian Clarke, a Mortgage Loan Originator with AnnieMac Home Mortgage. I help first-time buyers and homeowners across seven states buy and refinance — most of my buyers put down far less than 20%. Let's find out what you actually qualify for.

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Call or text (646) 977-1860

Davian Clarke, Mortgage Loan Originator with AnnieMac Home Mortgage
Davian Clarke
Mortgage Loan Originator — AnnieMac Home Mortgage
NMLS #203415 · Licensed in CT, FL, GA, NJ, PA, TX, NY
7States licensed: CT, FL, GA, NJ, PA, TX, NY
3.5%Minimum down with an FHA loan
580Credit score where FHA opens up
FreeFirst-time buyer checklist — just ask

Two Paths. One Goal: Your Keys.

A new homeowner receiving the keys to their first home

Buying your first home

The First-Time Buyer Hub

How 3.5%-down FHA loans really work, what credit score you need, and the down-payment assistance programs most buyers never hear about. Includes my free first-time buyer checklist.

Start here →
Reviewing mortgage paperwork and figures at a desk

Your adjustable rate is resetting

The Great Reset: ARM Refinance Hub

Thousands of adjustable-rate mortgages reset in 2027. If yours is one of them, refinancing before the reset date can save you from a payment shock. See how the math works.

Review my reset date →

Loan Programs for Every Buyer

A welcoming suburban home with a landscaped front yard

FHA Loans

3.5% down with a 580 credit score. The workhorse of first-time buying.

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A modern suburban home under a blue sky

Conventional Loans

As little as 3% down with cancellable mortgage insurance.

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An American flag waving on the porch of a suburban home

VA & USDA Loans

Zero down for eligible veterans and rural buyers.

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Where I Lend

I'm licensed in seven states and work with buyers 100% remotely — phone, video, and secure online application. No office visit required.

The Atlanta, Georgia skyline at sunset

Georgia

FHA loans, Georgia Dream assistance — Marietta, Atlanta, Cobb County and beyond.

The Miami, Florida skyline and waterfront

Florida

Florida Housing programs, low down payments from Miami to Jacksonville.

The Houston, Texas skyline at sunset

Texas

TSAHC grants, FHA and VA loans across the Lone Star State.

The New York City skyline at twilight

New York

SONYMA programs and FHA options for NY buyers.

The Manhattan skyline across the Hudson River from New Jersey

New Jersey

NJHMFA assistance and low-down-payment mortgages.

The Philadelphia, Pennsylvania skyline from above

Pennsylvania

PHFA programs from Philadelphia to Pittsburgh.

Historic New England homes beside a calm lake in autumn

Connecticut

CHFA assistance and first-time buyer loans.

How It Works

Step 1

We talk

A free 15-minute call about your goals, timeline, and budget. No pressure, no obligation.

Step 2

You get pre-approved

I run your numbers and match you with the right loan program — FHA, conventional, VA, or USDA.

Step 3

You get keys

We close on time and on the terms you were promised. I stay with you through funding.

Not sure where you stand? Let's find out.

One conversation can tell you exactly what you qualify for — and what to fix if you're not there yet. Call or text (646) 977-1860, or send me a message.