Creating Affordability

Heres how it works

In a Nutshell

FirstStep gives you access with the 10% down payment and allows you to borrow more but pay the same.

10% Down Payment

You keep more of your savings. We only require ten percent for the down payment on your home.  No catch, no hidden surprises, just 10% on any purchase up to $2,000,000.

Hybrid Payments

Our mortgage increases your spending power too with the Access90 Mortgage.

How?  Simple, with our Access90 mortgage we give you more time to pay down your principal. Within the mortgage we split your payments into two components, one is interest only, the other is principal and interest. You never know the difference, except when you see how much further your savings take you.

No mortgage insurance

Mortgage insurance is expensive can cost up to $30k.   In our opinion, we think that’s unnecessary and as a private lender, we aren’t required to have it. We think you’ll agree, that money should stay in your pocket, where it belongs. 

using Access90 To Get your dream
house with

Our simple
5 step process

Find your newh home using your preferred realtor or we can recommend a professional realtor who specializes in your preferred home buying location.

To get your Access90, 10% down mortgage, contact your preferred mortgage broker (And ask for the Access90 Mortgage from FirstStep Financial) or contact us directly.

Get your Access90 mortgage! Make sure that you have all the required information, pay stubs and financials at the ready to speed up the application / qualification process.

With help of your realtor, Access90 mortgage and real estate lawyer, you’re now ready to close the sale of your new home!

Take possession and move into your new home!


You're in
100% control
of your future


Our approach is new

Perhaps this all sounds too good to be true (we’ve heard that before). We understand that you probably have a number of questions, concerns, and “what ifs”. We’ve done our best to address them all in our FAQ’s. If you still have unanswered questions, please don’t hesitate to connect with us.

Unlike financing from a traditional bank, FirstStep does not demand huge principal payments. We charge a blend principal and interest-only, at a very competitive rate, just like the bank of Mom & Dad would.


GEt started today

See what you can afford? 

How Much do you *really* need?

The Access90 mortgage empowers buyers to leverage their downpayment by only requiring 10%! Check out what your monthly payments would be based on the purchase price of your new home or the down payment amount with the Access90 Mortgage Calculator.

This calculator is for illustrative purposes only. Please connect one of our mortgage specialists to find out if the Access90 mortgage is right for you. 
While every effort is made to keep this tool up-to-date, FirstStep Financial does not guarantee the accuracy, reliability or completeness of any information or calculations provided by this calculator. FirstStep Financial is not be liable for loss or damage of any kind arising from the use of this tool.