Worried You Won’t Qualify for a Home?

Worried Couple looking at laptop computer drinking coffee

Thinking about buying a home but afraid you won’t qualify? I can help!

I often get calls from people who think they have to have 20% down to buy a home; they have ‘poor’ credit and can’t buy, or other circumstances where beliefs don’t match reality.

Having been a lender for over 33 years, I’ve come across a lot of situations just like the above and can still help. I have helped clients increase their credit score, get down payment assistance or used other strategies to help them reach their dream of home ownership.

Did you know that you can buy a home with as little as zero down? Are you a veteran? My team can help you.

Are you looking for a home in a rural area?* The USDA offers 100% financing for housing in rural areas.

Even if you aren’t a veteran or USDA eligible, I can help you get in a home with as little as 3% to 5% down on a conventional loan or 3.5% down with FHA. If your income is below $80,000 per year, I might be able to help you with our down payment assistance program.

Did you just start a new job last week and think that you are stuck in a rental? If you went to school for your trade or have past history in the same line of work, we might be able to help you.

Do you have ‘poor’ credit? So many of my clients think they have poor credit and it is not always true. In fact, their credit is quite good.

By reviewing your income, job, credit, and savings history, etc., I can provide you with a clear road map to get you into a home. I provided a list of 10 items to one borrower- a single mother of 2- she completed every item on the list and in 6 months she was enjoying her new home. She even refinanced the home recently and lowered her interest rate and payment!

Don’t let your beliefs or what a relative or ‘friend’ told you stop you from setting an appointment with me. I have helped thousands of clients achieve the dream of home-ownership. I’d like to help you, too!

*Defined as cities with populations below 35,000; Income limitations depending on family size.

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