Fact or Fiction? You Must Put 20% Down to Buy a Home

It is amazing to me the amount of people that still think you have to have 20% down to buy a home… This used to be the norm (and probably still should be) but there is a whole myriad of loan programs available for borrowers these days…

Image result for down payment

Depending on the unique situation of the borrower there are loan programs designed to help first time home buyers like FHA which is a government insured loan that does not require high FICO requirements and requires only 3.5% down payment. If you are a veteran or active duty you can use your VA status which requires $0 down and also has low FICO requirement…

Image result for homes for heroes

If you are a public worker (police, fire, teacher, nurse, doctor, etc..) I belong to a foundation called Homes for Heroes which allows me to contribute 25% of my commission back to the buyer after closing and sends 5% to the H4H Foundation to help Vets in need… If you have excellent credit you can qualify for 3%, 5% & 10% down conventional products and if you have excellent credit and money in the bank you can put 20% down and avoid the PMI fee that most other loan programs have…

Image result for home is possibleNevada has a few different grant programs called Home is Possible that allow up to 5% of the purchase price to be contributed to the borrowers down payment & closing costs… The best thing about it is these grants never have to be paid back… These programs are designed to get people back into their own homes after all the displacement that happened in 2008-2010… If you or anyone you know is curious about how much you can get approved for call/text/email me anytime 702-218-4585 DarylHanna@gmail.com

200 thoughts on “Fact or Fiction? You Must Put 20% Down to Buy a Home”

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