Hello {first_name}!
 
Are you wondering if you have enough money to buy a home? With a wide variety of loan
programs available, you might be closer than you think to owning your own home.
 
Down Payment
Most people assume that the only way to get a home loan is to put 20% down. Did you
know that there are conventional loan programs for as little as 0% down? That’s right, from
special financing options to down payment assistance programs; there are a variety of ways
to buy a home with as little as no money down.
 
Mortgage Options
Working with a mortgage broker, you have access to a wide variety of loan programs. From
first time home buyer programs to VA loans, we offer loan options to help almost everyone
to obtain a home loan that suits their unique needs.
  • Conventional Financing – Conventional home loans are those which conform to Fannie Mae and Freddie Mac guidelines. Typically these programs require a 20% down payment and traditional qualifications for credit and income.
  • FHA – FHA (Federal Housing Association) loans offer first time home buyers homeloans with as little as 3.5% down payment and the down payment can be a gift froma family member. While these loans do require private mortgage insurance (PMI), they provide first time home buyers with an easier entrance into the housing market.
  •  VA – US service members and veterans can take advantage of special VA financing with as low as a 0% down payment.
  • Down Payment Assistance – Some states and cities offer down paymentassistance. Assistance can also be made available for those who work in certainindustries such as education, medicine or first responders.
As you can see, there are plenty of avenues for home financing.
 
We are experts at crafting a personal lending solution for our clients. Contact me today to
for a confidential discussion about how I can help you buy a new home!
 
Your financial connection,
 
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