Texas-based Click n' Close, formerly Mid America Mortgage, launched the SmartBuy SAM program, enabling homeownership pathways with lower interest rates via shared future home appreciation. Initially available for FHA and USDA borrowers, conventional loans have been added to widen access. With down payment assistance options and below-market rates for first-lien mortgages, potential buyers can enter the market with minimal upfront costs. Launched in April 2024, the program aims to adapt to evolving housing conditions, offering financial stability and support for what is often the largest investment for Americans.
SmartBuy SAM loans offer a lower interest rate in exchange for a share of future home appreciation, making homeownership more accessible for a broader range of buyers.
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