Billings newlyweds Patricia and Jared Scarborough were living in a rental owned by Patricia’s mother, who lived down the street. While they loved the location, being in a family-owned rental had its challenges. The couple wanted their own home but weren’t sure what they would qualify for. They had steady jobs and decent credit, but little for a down payment. After talking to a lender, they learned about HomeNow, MoFi’s down payment assistance program that provided the boost they needed to buy their first home, start building equity, and build a path to long-term financial security.