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Stop Waiting—Own Your Next Home with Only 5% Down!




The real estate market might feel a bit challenging right now, but owning a home could be more accessible than you think! One of the most common questions I get is about down payments, and there’s a widespread misconception that you need to be a first-time homebuyer to qualify for a low down payment—this simply isn’t true. Whether you’re looking to buy a primary residence, a vacation getaway, or even a home for a family member, you can make it happen with as little as 5% down. Let’s break down how!


1. Buying a Primary Residence

Looking to buy a home that will be your primary residence? You can do this with as little as 5% down, even if you’re not a first-time homebuyer. This option is perfect for those looking to move into their dream home without needing a huge upfront cost. Whether you’re upgrading, downsizing, or just ready for a change, a low down payment can make it all possible.


2. Investing in a Recreation Property

Ever dreamed of owning a cozy cottage by the lake, a charming cabin in the woods, or a ski chalet in the mountains? You can make that dream come true with as little as 5% down on a recreational property. It’s a fantastic way to invest in a getaway spot that you can enjoy year-round while creating memories that last a lifetime.


3. Purchasing a Second Home for a Loved One

Want to help a family member get into their own home? You can purchase a second property with just 5% down, whether it’s for your children, parents, or another loved one. This option allows you to provide a safe and comfortable living space for those who matter most, without the burden of a large down payment.


No Need to Be a First-Time Buyer!

One of the best aspects of these opportunities is that you don’t have to be a first-time buyer. Whether you’re stepping into the market for the first time, upgrading, or expanding your real estate portfolio, these options are available to you. You can make your homeownership dreams a reality without the need to save for a massive down payment.


Important Down Payment Details

Before you start house hunting, here’s what you need to know about down payment requirements:

  • For homes priced up to $500,000, the minimum down payment is 5%.

  • For homes priced between $500,000 and $999,999, the minimum down payment is 5% of the first $500,000 and 10% of the amount above $500,000. For example, if you’re eyeing a $700,000 home, your down payment would be just $45,000.

  • For homes priced over $1 million, the minimum down payment is 20%.


Let’s Explore Your Options!

If you’re thinking about buying a home and want to explore your options, let’s chat! I’m here to help you navigate the process, answer your questions, and guide you every step of the way. Whether it’s your first home, a vacation spot, or a home for someone special, you don’t need to wait.


Reach out today, and let’s make your homeownership dreams a reality!

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