Step Up Program

Step Up Program The Step Up Mortgage program is designed to help any home buyer who has the ability to pay a mortgage, but needs Alabama down payment support. The program works to secure Alabama down payment funds with a 10 year second mortgage and combined 30 year, fixed rate first mortgage. Loans must be acquired through a participating lender. To qualify, a Alabama borrower’s annual household income cannot, under any circumstance, exceed $97,300 and the Alabama borrower must have a credit score higher than 620.