Thanks to Royal’s CDFI Smart Start loan program, we were able to help a couple with a 2-year-old child buy their first home. Due to our Member’s employment history, he would not have fit into a traditional conventional mortgage. He also would not have been able to afford a home with a program that required PMI at his income level of less than $35,000 a year. Without the CDFI program, homeownership would not have been possible for this family.