No!  That’s a common misconception that you need to have a house selected first.  We actually recommend for you to figure out how much you can purchase then select a home prior to home shopping.  

If you contact me I can help you get pre-qualified at no cost to you.  

No! We have many programs that can do less than 20%.  Some of our mortgage finance programs allow for 3% to 4% down payment.   If you would like to know your additional options, please contact us today!

It is an honor to serve our heroes: Military Veterans and active duty service members, you may qualify for a Veterans Administration (VA) loan. These loans often require no down payment and have lower closing costs, helping to keep your savings secure. At Geneva, we take pride specializing in the highest quality service for VA loans – service you deserve as a U.S. Veteran.

VA Home Loan

• 100% Financing with full VA Entitlement*
• No Monthly Mortgage Insurance
• Seller Contribution to Closing Costs Permitted Product Benefits
• No Prepayment Penalties Construction Financing For: – Single Family Residences – Townhomes – VA Approved Condos – Other property types may be eligible**
• Fixed- and adjustable-rate loan terms
  

  *A down payment may be required if the borrower does not have full VA entitlement, or if the loan amount exceeds the current maximum loan amount. **

You can get more information from the government’s website, but the basic requirements include:

• You’re currently active duty military, or you’re a veteran, honorably discharged.
• At least 90 consecutive days of active service during wartime or at least 181 consecutive days of active service during peacetime.
• More than six years of service in the National Guard or Selective Reserve.

If you would like to find out about your eligibility just contact me today.

NO. There are multiple national and state down payment assistance programs with credit score requirements as low as 620 and some income maximums nearing $90k