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Down Payment Assistance

There are a variety of solutions available to help first-time home buyers cover all or some of their down payment and closing costs. These come in the form various bond programs, charities and non-profit organizations. Most of them are based on the buyer's specific needs and income levels. You still have to make enough income to make your loan payment; on the other hand, your income needs to be low enough to qualify for the assistance programs. Even if you don't qualify, it is still possible for your Real Estate Agent to negotiate with the seller to pay all or part of your closing costs. This tactic will raise your offer on the home by rolling closing costs into the price of the home. With good credit and income there are also programs where you can do 100% financing, which may come at a higher interest rate, but you walk into a house with nothing down.

How We Can Help
After reviewing your situation we can come to a decision in regards to down payment assistance. We are well informed and have access to these programs should you need them. We are eager to help you buy a home and will use every means possible (within your limits) to make it happen. Contact us and we can go over some of your options.