* "Up to 5% of the sales price" funds can only cover closing costs. (Funds DO NOT require repayment). Participating buyers remain responsible for any down-payment required by their chosen loan program (if any).
** While 99.9% of our past clients secure a below-market rate at the time of home purchase, it’s important to note that this is not guaranteed. If we’re unable to secure the lower rate at purchase, don’t worry! We’ll work to get you a below-market rate through a Streamline Refinance after just 6 consecutive on-time mortgage payments. (see Refinance Eligibility and Waiting Periods Requirements Here.)
To receive the program’s full benefits, you'll need to work with the Lendesta Team—which includes Modus Mortgage as your loan officer and Kelly Right Real Estate as your real estate agent—for both your initial home purchase and the future refinance transaction. Additional terms and conditions apply—see the Purchase "Eligibility" section below.
Limited to 50 homebuyers in 2025. Ready Set Own Today Program will expire on December 31st, 2025.
Say Goodbye to Closing Cost Worries and Start your Home Journey with Lower Rates **.
SMART SAVINGS, BETTER RATES
THE CHALLENGE FIRST-TIME HOMEBUYERS FACE
For many first-time homebuyers, the dream of homeownership can feel out of reach. The road to owning a home is often blocked by major hurdles—such as saving for a down payment, covering high closing costs, and navigating complex mortgage options. These obstacles can make the home-buying process overwhelming and stressful.
With the Ready Set Own Today Program, we understand these challenges and are here to help. We know that out-of-pocket closing costs, high interest rates, and the additional qualifying restrictions that other assistance/ grant programs impose can hold you back from achieving your homeownership dreams.
That’s why we cover up to 5% of the sales price towards your closing costs—funds that you do NOT have to repay. We also help you secure a lower interest rate, whether on the purchase side or through refinancing, with no added restrictions to complicate your journey.
By removing two of the biggest barriers—financial obstacles and unnecessary qualifying restrictions—we make the dream of homeownership more accessible. Our goal is simple: To make homeownership easier to achieve, without the financial stress.
HOW IT WORKS
Lower Your Interest Rate in as Little as 6 On-Time Payments*
Didn’t lock in a lower interest rate at purchase? No problem. After making as early as six (6)* on-time monthly mortgage payments, you’ll have the option to refinance at below-market rates. (*See full refinance eligibility and waiting periods HERE). This exclusive opportunity gives you the flexibility to adapt to changing market conditions, saving you more on monthly payments and strengthening your long-term financial stability.
| Home Purchase Price | Up to 5% for Closing Costs |
|---|---|
| $250,000 | Up to $12,500 |
| $300,000 | Up to $15,000 |
| $400,000 | Up to $20,000 |
| $500,000 | Up to $25,000 |
| $600,000 | Up to $30,000 |
| $700,000 | Up to $35,000 |
| $800,000 | Up to $40,000 |
*Amounts shown are approximate examples; actual savings may vary based on purchase price and eligibility requirements.
Get up to 5% of the sales price covered and secure a lower rate at purchase.
We’ll help cover up to 5% of the sales price towards your closing costs, making it easier than ever to step into your dream home. This means more money in your pocket to furnish your new space or save for the future. With Ready Set Own Today, we’ve removed one of the biggest barriers to homeownership—out-of-pocket closing costs! Plus, with these savings, you can focus on what truly matters—settling into your new home.
ELIGIBILITY
- Minimum Credit Score: 580 or higher
- Government Loans: Recommended credit score of 640 or higher
- Conventional Loans: Recommended credit score of 700 or higher
- Minimum Loan Amount: $250,000
- Maximum Loan Amount: Based on loan program
- Must qualify for a traditional fixed mortgage
- Property must be located in South and Central Florida only.
- Must qualify for a traditional fixed-rate mortgage (Conventional, FHA, VA, USDA).
- The subject property must be your Primary Residence.
- 1-Unit Single Family Residence (up to 10 acres)
- Townhouses
- 2-4 Unit Multi-Family Homes
- Manufactured Homes (built after June 15, 1976; single and multi-wide)
- Condos
- Co-ops
- Mobile Homes
- Manufactured Homes (built prior to June 15, 1976)
- Income-Producing Farms.
- Not required for program's eligibility.
- To receive full program benefits, you must engage the Lendesta Team, which includes Modus Mortgage as the loan officer and Kelly Right Real Estate as your agent, for both your initial purchase and future refinance transaction (if necessary).
BENEFITS OF THE PROGRAM
ONE-STOP
PARTNER
We are your one-stop solution who will handle mortgage, real estate, credit repair and more for you, thus, delivering a seamless homebuying experience that saves you time and eliminates guesswork.
NO
REPAYMENT
Funds saved do not require forgiveness or payback. Eliminate thousands in closing costs and start homeownership on strong financial footing thus benefiting from immediate savings.
DOUBLE
WIN
Save at closing, then refinance to below-market rates. No more waiting in uncertainty—refinance when you’re ready and secure a lower fixed interest rate that eases your monthly budget.
EASY
ELIGIBILITY
We remove the usual hurdles by not imposing extra income or DTI caps—only standard loan guidelines apply. That means a quick check is all it takes to see if you qualify for the Program.
Since 2023, our Ready Set Own Today Program has been helping homebuyers secure lower market rates and save on closing costs. Let us help you take the next step toward owning your dream home.
The Ready Set Own Today Program is designed to make homeownership more accessible and affordable for first-time buyers and those looking to save on their home purchases.
Why Choose the Ready Set Own Today Program?
Up to 5% of the Sales Price Covered
We help cover your closing costs, making homeownership more affordable and allowing you to invest more into your new home.
Lock in a Below-Market Interest Rate
Our goal is to lock in a below-market interest rate at the time of purchase, helping you save in the long run.
Refinance Option
If we can’t secure the below-market rate at purchase, we will help you to refinance as early as 6 mortgage payments to lock in a lower rate on the mortgage side. (See refinance eligibility and all waiting periods HERE.)
Hurry! Exclusive Offer Ends In:
EXCLUSIVE OFFER
Available for only 50 homebuyers in 2025. Act fast to secure your spot!
Got Questions?
Who is eligible for the Ready Set Own program?
Is the program really limited to only 50 homebuyers in 2025?
When can I refinance to below-market interest rates?
Will I have to repay the closing cost assistance?
What does the Lendesta Team handle in the process?
How do I receive the closing cost assistance?
Do I need to bring any funds to the closing table?
Is there any income or household restrictions to the program?
Can the Ready Set Own Today Program be combined with 0% Down Programs?
Are there any Debt-to-Income (DTI) Restrictions?
Ready to Get Started?
No commitment needed.
Schedule a FREE 30-minute consultation, and I’ll answer your questions, learn about your homebuying goals, get to know your loan scenario, and walk you through the next steps to begin the mortgage pre-approval process.