Discover Alternatives: Homebuying Without a 20% Down Payment

---

Many homebuyers in the Central Valley—from Fresno to Clovis, Visalia, Bakersfield, and Modesto—still believe they need a 20% down payment to buy a home. This myth holds countless families back from even starting their homeownership journey.

The truth is, today’s mortgage programs make it possible to buy with much less.

FHA loans allow you to get into a home with as little as 3.5% down. USDA loans, available in many rural and suburban areas of the Central Valley, offer 0% down financing. VA loans for veterans also provide no down payment options. Even conventional loans may allow as little as 3% down for qualified buyers.

If you’ve been putting off your dream home in Fresno, Madera, Tulare, or Merced because you think you need 20% down, it’s time to rethink your strategy. Waiting could mean higher home prices or missing out on today’s inventory.

Call me, Rob Clark, your trusted Central Valley mortgage partner, at 209-227-7745 or 559-476-9279, or visit robertclarkloans.com to see today’s updated rates. I’ll walk you through the options and help you get pre-approved so you can shop with confidence.