FINANCING

$0 Down Programs:

Own a new home today with NO Down payment required! Call or email us.

VA Loans:

VA financing benefits veterans of the armed services and their spouses. To qualify veterans must be eligible as defined by the Department of Veterans Affairs. Veterans can qualify to put zero down on a loan up to $417,000.

FHA Loans:

Down payment can be as low as 3.5%. FHA also allows seller concessions up to 6% of your new home purchase price. First time homebuyers may also receive a tax credit of up to $8,000 and $6,500.

SONYMA New Home Program:

No points, 3% down payment which can be barrowed to make a $0 down mortage, below market interest rates for low monthly payments & no prepayment penalties.

Energy Efficient Mortgage:

An EEM is a mortgage that credits a home’s energy efficiency. EEMs give borrowers the opportunity increase loan amounts.

Work to Own:

These loans offer you the option to work on your new home for all or part of the down payment.

Rent to Own:

Is beneficial for those buyers that have not sold their current home, low credit scores, good credit but no money for a down payment.

Shared Equity:

Allow you to purchase a new home even if you can’t afford a mortgage on the whole of the current value. This will make the home more affordable for you by providing a “third way” of home ownership between home ownership and renting.