Buying a home is one of the biggest decisions you will make in your lifetime.

What if I don’t have a 20% down payment?

We have many loan programs available with low down payment options, some as low as 3.5%. Don’t worry if you don’t have the full amount of the down payment or no money for a down payment many programs allow you to receive gift funds for the full amount of the down payment. There are also many down payment assistance programs.

What can I do to make the process a little easier?

Arguably the most important thing you can do is get pre-qualified. It tells you how much you can afford, and it tells the sellers you are qualified and can close the loan.

What can I do to help get my offer accepted?

Ask your Realtor about writing a letter to the seller. Writing a letter telling the seller about yourself and your family and why this is a perfect home for you. Some people even include a photo.