The Down Payment Grant

Funding dreams daily. The Mission of The Down Payment Grant is to fund deals daily to create $1 Billion in new wealth. From turning renters into homeowners in 90-days or less and beyond #homeownership #financialfreedom #makingadifference

The Down
Payment Grant

Funding dreams daily. The Mission of The Down Payment Grant is to fund deals daily to create $1 Billion in new wealth. From turning renters into homeowners in 90-days or less and beyond #homeownership #financialfreedom #makingadifference

The Down
Payment Grant

Funding dreams daily. The Mission of The Down Payment Grant is to fund deals daily to create $1 Billion in new wealth. From turning renters into homeowners in 90-days or less and beyond #homeownership #financialfreedom #makingadifference

About Rayma
Garraway

Who is Rayma Garraway?

New York native-based Public speaker, author, and success coach. Rayma Garraway is a multifaceted entrepreneur and philanthropist. She has built a reputation as the “Down Payment Grant Queen” and has helped numerous individuals achieve their goals in real estate investing, homeownership, and entrepreneurship.

Rayma’s journey began with a passion for real estate, which led her to make her first property investment before the age of 21. She has since become a licensed general contractor, developer adminstrated, and created assisted living facilities.

Through her nonprofit organization, Never Happier, Inc., Rayma provides housing and mentorship programs for veterans, single mothers, and youth. She has also written over a dozen children’s books and offers guidance through her mentorship program.

Our Services

Mentorship Programs

Mentorship Programs

Presonal Credit

Empowering Your Financial Future, One Credit Solution at a Time

Business Credit

Building Stronger Businesses with Reliable Credit Solutions

Homebuyers Grants

1

Access FREE Government Grants

Discover how to unlock funding for your dream home

2

Become a Homeowner in 90 Days

Break free from renting and start building wealth

3

Over 2,000 Grants Available

Including four $ down home buying programs

4

Personalized Guidance

We work with you until you have keys in your hands

Homebuyers Grants

1

Access FREE Government Grants

Discover how to unlock funding for your dream home

2

Become a Homeowner in 90 Days

Break free from renting and start building wealth

3

Over 2,000 Grants Available

Including four $0 down home buying programs

4

Personalized Guidance

We work with you until you have keys in your hands

Rent Reporting for Credit Building

Build Credit with Rent Payments

Report your monthly rent payments to all 3 credit bureaus and build your credit score. With RentRedeem, we’ll add up to two years of rent payment history to your credit report.

FICO® Credit Factors

  • Payment history (35%)
  • Amounts owed (30%)
  • Length of credit history (15%)
  • New credit (10%)
  • Credit mix (10%)

Take Action Today

Report your rent today to work towards better credit and an improved score! Visit RentReporters or BoomPay to get started on your credit-building journey.

Register a Fundable Business

1

Comprehensive "Business in a Box" Program

Transform from employee to entrepreneur with our all-inclusive package for just $397.

2

Nationwide Business
Registration

Get instant access to EIN setup, operating agreement & bylaws, and funding sources.

3

Complete Business Setup

Includes equipment financing, logo suggestion, domain & website layout, and professional email setup.

4

Launch Your Fundable Business

Don't miss this incredible opportunity to start building the future you deserve!

Register a Fundable Business

1

Comprehensive "Business in a Box" Program

Transform from employee to entrepreneur with our all-inclusive package for just $397.

2

Nationwide Business
Registration

Get instant access to EIN setup, operating agreement & bylaws, and funding sources.

3

Complete Business Setup​

Includes equipment financing, logo suggestion, domain & website layout, and professional email setup.​

4

Launch Your Fundable Business​

Don't miss this incredible opportunity to start building the future you deserve!​

Start Your Non profit

Expert Guidance from Never Happier Inc.

With over a decade of experience, we’ve helped numerous organizations thrive. Our comprehensive guide covers the benefits of starting a nonprofit, debunks common myths, and helps you overcome hurdles and challenges.

Discover how to make a meaningful impact, secure funding and grants, build a loyal community, and navigate legal and financial requirements. Our step-by-step guide provides clarity and confidence to help you achieve your mission.

Don’t let uncertainty hold you back. Start making a difference today with our comprehensive guide, available for just $997. Take the first step towards creating positive change in your community!

Automate Your Group Home Empire

1

2

3

4

Break Free from the 9-to-5 Grind

Discover how to build wealth without sacrificing your freedom

Invest in Recession-Proof Businesses

Learn strategies for creating passive income streams

Automate, Delegate, Elevate

Access proven strategies for automating your income and delegating tasks

Accelerate Your Retirement

Take control of your financial future for just $497

Trust: Protect Your Family Legacy

Trust Setup and Management

EIN Registration

Life Insurance Policies

Asset Protection

Price

Included

Included

Included

Comprehensive

$397

Study Abroad in China Scholarship

1

2-Week or 4-Year Programs

Choose between short-term cultural immersion or full degree programs

2

Comprehensive Funding

Receive tuition waiver, accommodation, medical insurance, and monthly stipend

3

Cultural Exploration

Experience China's rich heritage and make lifelong international connections

4

Access FREE Government Grants

Discover how to unlock funding for your dream home

5

APPLY NOW

Application Entrance Fee $125