If you are like most Homebuyers, you may be unaware of the many Federal, State and Private programs available to help you purchase a home with little or no money down. Each one has specific credit and income requirements, but all are designed to promote Home Ownership and help the average Buyer into a home with very little out of pocket. Which one is right for you?

First Time Buyer Programs – Designed to help most Renters and First Time Homebuyers
  • There are many First Time Buyer programs available from Federal, State and Local agencies. However, many have limited funding and availability so you'll need to work closely with your Lender and Realtor when searching for homes.
  • Requirements: Usually 640 Credit Score | 2 years employment
U.S. Department of Agriculture (USDA) Rural Development Program – Designed to promote Home Ownership in rural communities.
  • In order to help Homebuyers in rural communities, the USDA provides 100% Financing for homes in eligible areas. This is an awesome program for buyers who may be priced out of the metropolitan areas or wish to live in a smaller rural community. We can help you determine the USDA eligible areas in your community. This is a very popular and well know Zero Down Program.
  • Requirements: 620 Credit Score | Other requirements based on annual income and family size
Veterans Administration (VA) – Designed to help Military Veterans purchase a home with no Down Payment.
  • In order to thank our military veterans for their service, the VA offers 100% financing for eligible Veterans. The VA will even finance closing costs! Also, the rates are very competitive and there is no mortgage insurance. If you’re a military Veteran, this is absolutely the best option for you.
  • Requirements: Eligible Military Veteran
FHA Loan - Designed to promote Home Ownership to most Homebuyers with very little down payment.
  • One of the most popular ways to purchase a home, an FHA Loan offers a low down payment in conjunction with much lower credit score requirements. This option is increasingly popular with former Homeowners who are still recovering from the previous housing market. The lower credit score requirement gives them a chance to be a homeowner again much sooner than expected.
  • Requirements: 580 Credit Score | 3.5% Down Payment | 2 years Job History
One of these options should be right for you. Fill out the contact form to the right and our local Team will get in touch with you to answer questions and explain the advantages of each program for your unique circumstances.

It is extremely important that you have a Team that understands each of these programs and their requirements so they can help you decide which one is right for you. So fill out the Contact Form and let’s start you on the way to owning your own home!
Owning a home is easier than you think...
You may be able to own for less than you pay in rent!

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. By clicking the "Learn More!" button above, you are providing express written consent for to share your information with a Realtor and a Lender who may contact you to discuss various financing options available to you. For questions, please visit our contact page.