How do we know what is the best type of financing for our particular family's situation?

The best way for your to determine which program would best suit your family's needs is to sit down with me and I'll explain all of your financing options. Things to consider are: family size, how long you plan to stay in the home, current and projected income and debts, credit history and cash available to close. I am uniquely positioned to have almost all financing options available to us that anyone could want and/or require.

Can the seller pay for my downpayment?

No. However, the downpayment can be a gift from a relative or non-profit organization, or be borrowed if the loan is secured. The seller can pay for the borrower's closing costs, if negotiated.

What if I have no money at all?

There are programs that offer a no-downpayment option and, in conjunction with seller contributions, can make it so that you will not need to spend any money to buy a home. Additionally, I can show you other ways to purchase with no cash.