Is coming up with the down payment holding you back from purchasing a home? We have a solution! The Zero Down Payment Program is designed to help first-time homebuyers achieve their dream of homeownership. With this incredible program, you can potentially get into a new home with minimal down payment. Combine this with seller-paid closing costs, and you could be moving into your new home with very little out-of-pocket expenses. Here’s how it works
01.
Program Highlights for 80% AMI or Less: 💡
This program is specifically beneficial for those whose income is 80% or less of the Area Median Income (AMI). It offers targeted assistance to make homeownership accessible. To see if you qualify, check your AMI using the AMI lookup tool. Key Features: A minimum FICO score of 620 is required, and income limits apply, ensuring that the support reaches those who need it most.
02.
Credit Score Requirement for 80% AMI: 📊
A minimum FICO score of 620 is necessary for eligibility under this income bracket. This score indicates a fair credit standing, helping first-time buyers with average credit histories access the program. Tip: If your score is lower, consider improving it by paying off small debts and avoiding new credit applications.
Owning a home is a keystone of wealth — both financial affluence and emotional security. Suze Orman
03.
Down Payment Assistance for 80% AMI: 💵
Eligible buyers can receive up to 3% of the purchase price as down payment assistance, capped at $15,000. This second lien is provided without monthly payments or interest, making it easier to afford your home. Example: For a $200,000 home, you could get up to $6,000 in assistance.
04.
Program Highlights for No AMI Limit: 🌍
For buyers without income limits, the program still offers substantial benefits. This makes it accessible to a broader range of homebuyers, including those who exceed the 80% AMI. Criteria: A higher minimum FICO score of 700 is required, but there are no income restrictions.
05.
Credit Score Requirement for No AMI Limit: 📈
A minimum FICO score of 700 is needed if there are no income limits. This higher score requirement ensures that buyers are financially responsible and can handle homeownership costs effectively. Advice: Maintain good credit habits, such as timely bill payments and keeping credit card balances low, to meet this requirement.
06.
Down Payment Assistance for No AMI Limit: 💸
Just like the AMI-based assistance, buyers can receive up to 3% of the purchase price or a maximum of $15,000. This second lien helps reduce the initial financial burden of buying a home. Benefit: This makes homeownership more attainable by lowering the upfront costs.
07.
Eligibility for All Homebuyers: 🏠
The program is open to all homebuyers, not just first-time buyers. This inclusivity allows more people to benefit from the assistance provided, making it easier for everyone to purchase a home. Check: Even if you’ve owned a home before, you might still qualify for this program.
08.
First-Time Homebuyer Requirement for No AMI Limit: 🌟
For the no AMI limit option, at least one buyer must be a first-time homebuyer. This definition typically means someone who hasn’t owned a home in the past three years. Consider: This opens up opportunities for those returning to the housing market after renting or other circumstances.
09.
How the Assistance Works: ⚙️
The program involves a first lien that meets Loan-to-Value (LTV) requirements and a second lien provided for 3% of the purchase price. There are no monthly payments or interest on the second lien, which simplifies your monthly budget. Detail: The second lien balance is due when the first lien is refinanced or paid off, making it a deferred payment.
10.
Get Started Today! 📞
Don’t miss out on this fantastic opportunity to buy your dream home with zero down payment. Contact me today for more information and personalized assistance in navigating this program.
Call: 386-589-9037 or Visit: danielledesousa.com to get started.
Ready to achieve your dream of homeownership with zero down payment? Let’s make it happen! 🌟
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