Homeownership Starts Here

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Common First-Time Home Buyer Myth:
“You Need 20% Down to Buy a Home”

Many buyers are surprised to learn that several loan programs allow much lower down payments.

Depending on the program and qualification guidelines, some buyers may qualify with:
 3% Down Conventional Financing
 3.5% Down FHA Loans
 0% Down VA Loans for Eligible Veterans
 0% Down USDA Financing in Eligible Areas
 Down Payment Assistance Programs

Another important reminder:

Lenders qualify using gross income. Buyers live on net income.

The best first home is not necessarily the most expensive home you qualify for — it is the home that comfortably fits your lifestyle and long-term goals.

If you are considering buying your first home in Fresno, Clovis, Visalia, Madera, Merced, Modesto, Bakersfield, or surrounding Central Valley communities, I would be happy to answer your questions.

For more information Click Here

Robert “Rob” Clark
Home Loan Consultant
Firestone Financial Group

 209-227-7745
 559-476-9279
 rbrtclark53@gmail.com
 robertclarkloans.com

NMLS #357788
Firestone Financial Group NMLS #301522
California DRE #01148307

Equal Housing Lender. Not a commitment to lend. All loans subject to underwriting approval. Programs subject to change without notice. Credit and income restrictions may apply.