{"items":["5f6ca88fb66d9900176e3ed8","5f6ca88fb66d9900176e3ed9","5f6ca88fb66d9900176e3eda"],"styles":{"galleryType":"Columns","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"max","cubeRatio":1.7777777777777777,"isVertical":true,"gallerySize":30,"collageAmount":0,"collageDensity":0,"groupTypes":"1","oneRow":false,"imageMargin":30,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":true,"isSlider":false,"isColumns":false,"isSlideshow":false,"cropOnlyFill":false,"fixedColumns":0,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":50,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":true,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":false,"slideshowLoop":false,"autoSlideshowInterval":4,"bottomInfoHeight":0,"titlePlacement":["SHOW_ON_THE_RIGHT","SHOW_BELOW"],"galleryTextAlign":"center","scrollSnap":false,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":0,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":23,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":200,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":60,"textBoxWidth":200,"textBoxWidthPercent":75,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":0,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":1000,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"itemBorderColor":{"themeName":"color_12","value":"rgba(242,242,242,0)"},"showVideoPlayButton":true,"galleryLayout":2,"calculateTextBoxHeightMode":"MANUAL","targetItemSize":1000,"selectedLayout":"2|bottom|1|max|true|0|true","layoutsVersion":2,"selectedLayoutV2":2,"isSlideshowFont":true,"externalInfoHeight":60,"externalInfoWidth":0.75},"container":{"width":300,"galleryWidth":330,"galleryHeight":0,"scrollBase":0,"height":null}}
Financing a Home can be Scary- But maybe not...
Here is a list of a few wonderful options that may help you purchase your dream home:
USDA 100% Financing Program Zero down payment 640 minimum credit score Property must be located in targeted area
Income restrictions apply Seller can pay 6% of purchase price toward closing costs
FHA Program Low down payment, can be as low as 3.5% of the purchase price of the home 580 or higher credit score (500-579 must make payments of at least 10%-under 500 usually ineligible) Parents or family member can co-sign on loan Down payment can be 100% gift or down payment assistance or grant funds Seller can pay 6% of purchase price toward closing costs Can borrow from the FHA Streamline 203(k) Renovation Loan for repairs-can be include in the loan amount (great program to fix up foreclosures)
Home Ready Program Fannie Mae Conventional Program Low down payment and more flexible sources of funds:
HomeReady™ allows a down payment of just 3% on a home and permits the "income pooling" for all of the members of a household. This means that income from grandparents, parents relatives and working children can all be used to help qualify for a home loan
620 minimum credit score Loan designed for low to moderate income borrowers Lower mortgage insurance options
In order to be eligible for the HomeReady™ program:
1. You must not be an owner of another residential property in the United States
2. You must agree to complete a 4-6 online homeowner counseling course
Good Neighbor Next Door Get home at 50% discount on home in target areas. Must be law enforcement, police officer, teacher, firefighter, or emergency medical technician to be eligible
Low Down Payment Option available in HUD Participating Communities
Home Possible Neighborhood Solution Program You may be eligible for this program if you are a Teacher, Law Enforcement Officer, Firefighter, Healthcare Worker, Nurse, Emergency Medical Technician (EMT), or Military Personnel
620 Credit Score Reduced mortgage insurance Flexible Qualification Guidelines
VA Loan
Fixed rate loan program with 0 Down Payment for veterans or active military personnel in Army, Navy, Marine Corps, Air Force, Coast Guard, and National Guard - Reservists eligible with 6 yrs service
620 minimum credit score No maximum loan limit Single family home-VA Approved Condos-townhome, primary residence only
Doesn’t require mortgage insurance
One-time funding fee which varies, depending on the amount of the down payment and the type of veteran. For example:
A borrower in the armed forces getting a VA loan for the first time, with zero down payment, would pay a fee of 2.15 percent of the loan amount. The fee is reduced to 1.25 percent of the loan amount if the borrower makes a down payment of 10 percent or more
Fannie Mae or Freddie Mac
Government-sponsored
They work with lenders to offer mortgage options that benefit low and moderate income families
Competitive interest rates
Accept down payments as low as 3% of the purchase price