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How to Buy with No Money Down

Why Is It So Hard To Find The Low Down Payment Home Loans You're Always Reading About?
Today there are more than 60 different types of home loans, some with extremely low down payments and low monthly payments.

Most real estate companies use only 3 or 4 traditional types of home loans - all with higher down payments.

MONEY SAVING TIP: To see for yourself, try calling any real estate company and ask how much money you will need to buy an $100,000 home. They-will probably tell you that unless you are a Veteran and can get a VA loan, you will need $6,000 - $10,000 to buy this type of home. This Just isn't true.

Then why do they say that?  Because most real estate agents don't know anything about home loans.

I have the advantage of having experience as both a real estate agent and a mortgage broker.  In addition, I did loan processing for two years so I know the ins and outs of getting a loan done.

Special low-down-payment home loans are difficult to understand. On top of that, it's hard to keep informed about all the different rules and loans offered by all the different home lenders if you are not actively doing mortgages.

Also, big real estate companies have a hard time keeping their agents up to date about the many low-down-payment home loans.
Many Big Real Estate Companies Consider Special Home Loans An Annoyance

Some companies feel that all the regulations and paperwork involved with low-down payment home loans are too much "fuss and muss." Besides, they're selling enough homes without using these special loans, so why bother?

MONEY SAVING TIP: There are many fine home loans to help you buy a home for up to $365,000 with little or no down payment. At any given time there may be 3 or 4 special home programs for which you qualify. These loans can save you thousands of dollars of interest and give you a down payment of ZERO, or close to it.

"I Was Told That I Earn Too Much Money To Qualify For A Special Home Loan"

Many of these great home loans have income limits, but they're all different. Some "limits" are very high.

Government loans tend to have limits for "low income."  For example, the income limit for one of the zero-down-payment loans we offer is $54,650. In other words, if you earn less than $54,650, you may qualify for this zero-down-payment home loan!

MONEY SAVING TIP:There are many different types of special loans. These loans come and go, each with different rules and requirements. You may qualify for one or more of these loans.
The "Problem" With Government Home Loans

The problem with these special home loans is that they come and go in a fairly short "window period." For example: a $600 down payment home loan program may become available in April and be out of funds by mid June. To obtain one of these loans, you have to know about them before the funds are gone -- and act fast!

MONEY SAVING TIP: The average real estate agent in a big company, busy with all phases of realty, often doesn't learn about these money saving home loans until it's too late!

You Can Know About New Home Loan Programs Before Most Real Estate Agents

Here at Kings Realty & Property Management and Manhattan Mortgage Corporation, we make it our business to know about every special home loan program available.

Before a new home loan program begins, we learn everything that we can about the loan — then we tell you.

We work with 263 lending institutions and we know the lenders with the best home loans.

MONEY SAVING TIP: At any given time there are usually two or three super low down payment programs available for home buyers. The loan program for which you may qualify depends on your credit score, employment, family size and income.

If you want to buy a home, the first thing we need to do is find the best loan program to fit your needs. I do this for you without cost and obligation.  There is no credit inquiry or application fees...I do everything for you with no up front costs.

I Specialize In Helping You Find A Great Home AND A Super-Low Down Payment Home Loan

My job is:

  • To seek out and learn about low down payment government and private home loan programs.
  • To keep you fully informed of the home loans for which you may qualify.
  • To help find the perfect home for you.
  • To negotiate the best price and terms on your behalf.
Right Now There Are Some Excellent Home Loan Programs!
  • Government Assistance Loans such as FHA and VA
  • Super low interest rates starting as low as 1.5%!
  • 3% down programs.
  • Zero Down, 100% Financing (your rate will be slightly higher but it's an excellent way to get in a home)
  • Interest Only loans make payments extremely low!
Here's how the Zero Down Payment Home Loan Program has worked for many of my clients and could work for you, too:

Purchase price of the home: $200,000. Home loan: $200,000 Down payment: Zero!

I negotiate a contract with the seller to pay for all or as much closing costs as possible.  The only cost to you would be the deposit on the sales contract of as little as $500, the cost of an appraisal on the house you are buying of $300-$350, and your first years home owners insurance (I know some insurance companies that will finance your H.O. insurance and only require 3 months deposit).   In other words, you can own an $200,000 for less than $1,200 TOTAL with no payments for 30-55 days.


To qualify for any of the above home loan programs, you MUST have full-time employment for the last 24 months, a record of paying rent (or house payments) on-time for the last 12 months, and a credit score of at least 560.

Our Service Is Free For You

All of our services are free to you. We'll help you find a great home and a low or zero down payment home loan - free. We're paid by the seller in the event you buy a home.

Do You Qualify?

Perhaps you feel that you can't qualify to own a home. Many people never thought they could own a home until they discovered Kings Realty & Property Management and Manhattan Mortgage.

These folks now live on quiet streets in their own beautiful homes with family rooms, private back yards, full basements and garages - all because they picked up the phone and called me.

You can own a home, too. Just pick up the phone and call (813) 690-4125 anytime.

If you would like to sign up for our free House Finder Service, I will email you homes to review in the privacy of your home with no obligation.  If you would like to look at homes, have private showings of homes, or just ask more questions just give me a call.

Don't worry about calling… I am not a salesperson. I won't try to talk you into anything.  My services truly are no obligation.  I'm here to help you.

When you call, you may speak with my assistant Brenda.  She is equally friendly and helpfully and will do her best to answer any questions you have.

I'll do anything I can to help you find the right home, in the right area, at the lowest interest rate and payment.
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