There are literally dozens of available programs at the local, state and federal level.  There are programs direct from the banks to assist with down payment, closing costs and free home warranties.  There are also some sellers and relocation companies with some exciting offers like interest rate buy downs.   Builders are offering a variety of additional enticements like free lot upgrades, affordable finished basements, free appliance upgrades and paid closing costs.  So, no matter if you are looking to purchase an affordable foreclosure or a new construction home in almost any price range, you may qualify for these incentives, grants or tax deductions.  

Previous Home Owners can can qualify for many down payment resources!

Fact:  Many official government "First Time Buyer" down payment assistance programs consider you a first time buyer if you have not owned any real estate in 3 years.  Hard to believe, but it's true.  We had a homeowner who was foreclosed on 4 years ago and had a bankruptcy a little over 3 year ago recently buy a new home and received down payment assistance. 
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"I never knew these programs existed, but I found the down payment help we
​needed and we bought a home near family".
Anna Rendell

​VETERANS RECEIVE GREAT BENEFITS INCLUDING
0% DOWN PAYMENT ON HOME LOANS AND CAN ALSO QUALIFY FOR CLOSING COSTS COVERAGE!

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We are one of the few area Realtors that know and understand VA loans.  Many agents will suggest switching to other loans just because they don't understand VA.  That's never a concern for our team.  We have direct links with some of the largest VA funding companies in the country and would love to assist you today!

Buy a New Home after Foreclosure and Bankruptcy!

It's true!  If you've been responsible and managed your finances right, maybe got a new job or a raise, people who have had to short sales or foreclose on their previous homes and/or had bankruptcy can purchase a new home in as little as 2 years with some loans and 3 years with others.  If you don't currently qualify, we'll get you set up to make home ownership possible again.

There has to be a catch!

This is no joke and there is no catch!  There are plenty of real programs helping real people throughout the Twin Cities metro area.  Simply contact us and we can explain the process, some of the basic rules to the programs and lead you to quality referrals both for the mortgage process and educators that run some of the local and national government programs.   If you have some time, you can receive some really nice help with your future home purchase.  You have to act soon however, as many of these programs are limited in time and in funding available!  Act now! 

A True Life Sample

While getting $12,000 is not the norm, it is possible.  Here is a real world example of a home purchase one of our buyers. 

Buyers purchased a 3 bedroom, 2 bath walkout rambler in the western suburbs.  The property was a bank foreclosure that we negotiated a $150,000 sales price.  The buyers loan was an FHA loan requiring the buyer to contribute 3.5% or $5,250 of the purchase price.  FHA then required the seller (Bank) to match the 3.5% or $5,250 towards closing costs.  We then asked the bank to pay for a two year home warranty at $595 and also asked them to pay off any unpaid property taxes assessments left from the previous owner.  Buyers interest rate was 4.25%.  With taxes and insurance included the buyer's total monthly payment was $985.00/month.  Wow!  That was $135 less than than they were paying for a 1 bedroom apartment in Plymouth, MN.



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