Facebook Direct Federal Start Smart Program | Establish Credit

Our SmartStart program was designed to help first time buyers accomplish their dreams. From home ownership or apartment rental to buying a first car or establishing good credit that will carry you through your adult life, we are here to partner with you and help you reach your goals.


Our First Time Home Buyer Program is the flagship product of our SmartStart program. Designed specifically for first time home buyers, it allows borrowers to put only 10% cash down for their first home without the burden of a PMI (mortgage insurance) requirement. Additionally, first time buyers receive a discount on closing costs*. This affordable and unique program gives first time buyers the flexibility they need depending on their situation—borrowers can pick from ANY of our mortgage products and terms. We provide first time buyers a lowest rate guarantee from application date to 7 days prior to closing, for up to 90 days. This means if after you apply for a mortgage with us, we will give you the best rate we offer within the next 90 days.

We will be here for you the entire process, from finding your dream home to buying your dream home. Talk to us today about getting pre-approved and starting your home buying journey. Visit our mortgages page to learn more about our wide range of mortgage terms available.


Getting your first apartment can be expensive! You typically need a security deposit, first month's rent, last month's rent, new furniture, moving costs, etc. Direct Federal is here to help you get your first rental. Our First Time Renter Loan is for anyone with zero credit who needs a little help financially getting their first place. This loan will allow you to have the money you need upfront to get an apartment or rental home, and with our commitment to low rates, you can pay us back at an affordable price. Apply today and get started with your first rental!


Buying a car is long considered the first start of adulthood but yet many young-adults struggle to buy their first car since they may not have had an opportunity yet to establish the credit required from lenders. Our First Time Auto Buyer loan allows first-time auto buyers who are 21 years of age and have a zero credit score  to purchase their first vehicle and start establishing credit.  Apply today and buy your first car tomorrow!


Our Credit Builder Visa card is designed for borrowers who have no credit and a zero credit score. This card is a great opportunity for a borrower to use to build credit. We offer a $500 credit line for the first six months. Provided all payments are made on-time for six consecutive months with no late payments, the borrower will be considered for an increase to $1,000. Apply today and get started on establishing credit



Contact Us About Home Equity Products Form