Every buyer is different. Here are the programs I work with, plus plain-English explainers on social so you actually understand your options before you sign.
Flexible loan options for qualified buyers. Some first-time buyers may be eligible for as little as 3% down.
FHA loans may offer more flexible credit and down-payment options for qualified buyers.
For eligible veterans and active-duty service members. VA loans may allow 0% down and no monthly mortgage insurance, subject to eligibility, credit approval, occupancy, property requirements, and applicable VA rules.
USDA loans may allow 0% down financing for eligible borrowers and eligible properties in qualifying areas.
Financing above conventional limits for higher-priced homes.
Non-traditional income documentation for business owners and 1099 earners.
Finance the purchase and the improvements in one loan.
DSCR options may allow investment-property qualification based primarily on property cash flow instead of traditional personal-income documentation.
Not sure which fits? Let's talk it through →
Probably less than you think. Because I'm powered by NEXA Lending LLC, I can shop a huge network of lenders to find low-down-payment loans and down payment assistance you may qualify for.
VA (veterans & active duty) and USDA (eligible areas) can mean no down payment at all.
Conventional from 3% for qualified buyers; FHA from 3.5% with flexible credit.
Grants and second-lien programs that can help cover your down payment and/or closing costs — often for first-time buyers, sometimes with no first-time requirement.
Many programs let family gift some or all of your down payment. I'll show you how to document it right.
State and local bond programs and special pricing for eligible buyers — availability varies by area.
That's exactly what I'm here for. One quick call can help us narrow down which programs may fit your situation.
Program availability, eligibility, and terms vary by location, income, credit, and lender, and are subject to change without notice. Down payment assistance is not guaranteed and may have income or first-time-buyer limits. This is not a commitment to lend. Equal Housing Opportunity.
I post short, no-jargon breakdowns of how loan programs work, what products are available, and exactly what income documentation you'll need. Follow along and come to our first call already a step ahead.