For additional trained lenders or service providers, please email or call 20 or 80. GETTING STARTED The first step is to meet with in your area that has been trained on the HomeChoice program. The HomeChoice Lender will determine if you are eligible for the HomeChoice second mortgage program and will then refer you to a free and a HomeChoice trained. HomeChoice is a downpayment assistance, second mortgage loan program for qualified borrowers who have a disability or who have a family member with a disability living with them. Funds up to $15,000. HomeChoice combines with and first mortgage loan programs. One-on-one counseling is required.