A new state program called SmartMove makes owning a home easier and more affordable than ever. The program offers low-interest loans, reasonable qualification requirements specially designed for first-time buyers and veterans. It also provides up to $6,000 in down payment or closing cost assistance so buyers only need to contribute $1,000 or 1% of the home's value, whichever is greater. Interested buyers should contact a mortgage counselor at Standard Bank to determine eligibility and get started in the process.