Creative Helpful financing Solutions

---

There are certain grant programs that give away  funds to help people buy houses?

There are many different types of grants available to buyers. Some grants reset at the beginning of the calendar year, other are available any time. Your personal details and information will help determine if these are available for your purchase. 

First time buyer loans are federal backed loans that have several advantages. They not only have several protections for buyers but they also have a low down payment compared to most conventional loans.  

This allows a homebuyer  to minimize out of pocket costs by wrapping them into the loan or a second loan payment. 

One of our favorite loans types is the 3% conventional loan. This loan typically has no type of  requirement for area or homes that need to qualify. This means it can open up a lot more options and areas you can purchase with several thousand less than a traditional down payment. This is a great compromise between a smaller down payment and not eliminating any of your favorite home options or certain areas you want to live in.

The Rural development loan program  allows qualified buyers to put a  ZERO  DOLLAR down payment on homes that qualify.  This is a great hack to skip saving for a home and buying months or even years sooner than if you had to save thousands extra needed upfront.

There are lots of loan programs that traditional banks  do not offer that other lenders to. We have helped lots of clients who were rejected for a loan or certain price get approved by using an unconventional loan program. 

Have you even wondered how landlords have so many properties? 

With an investment loan , you do not need your personal income to qualify for properties. You can qualify based on the property value, rent, and cash flow on that property instead. 

1099- For independent contractors and self-employed buyers, making enough income AFTER your tax deductions can keep you from buying your dream home. We have lenders that can qualify your purchase based on your Income BEFORE deductions are taken. 

Book a consultation to see which of these you can take advantage of these.