Dreaming of owning a home in Virginia Beach or nearby areas of Hampton Roads but worried about a hefty down payment? Good news! There are financing options that require little to no down payment, making homeownership more accessible than you might think. Let’s explore these possibilities, starting with a conversation with a mortgage lender.
Taking the First Step:
The journey to homeownership begins with a chat with a mortgage lender. Many people feel intimidated, fearing they lack good credit or haven’t saved enough money. But fear not! Knowing where you stand financially is the crucial first step. If you’re a first-time home buyer, that means:
- You haven’t bought a home before.
- You don’t currently own a home.
- You haven’t bought a home or lived in your residence for the past three years.
Are you serious about making homeownership a reality? Engaging with a lender is essential to explore current financing options and find the right product for you. Keep in mind that loan products and programs can change, and a knowledgeable loan officer may be aware of more programs than you might expect.
Six Options for Low or No Down Payment:
- VA Loan (Department of Veterans Affairs) – No Money Down:
- Backed by the U.S. Department of Veterans Affairs, this loan is designed to assist current or past service members and their families in obtaining a mortgage with little to no money down and no mortgage insurance.
- USDA Loan – No Money Down:
- The USDA home loan program (Rural Housing Service) offers a no down payment mortgage for eligible home buyers looking to purchase in qualified rural or suburban areas.
- FHA Loan (Federal Housing Administration) – 3.5% Down:
- The FHA loan is a popular home program that allows you to qualify for a loan with a minimal 3.5% down payment.
- Virginia Housing – No Down Payment and Low Down Payment Programs:
- Virginia Housing aims to meet the housing needs of Virginians by offering mortgages for first-time home buyers, along with financing for apartment communities and neighborhood revitalization. They also provide free home buyer classes, housing, and credit counseling.
- HomePath Ready Buyer Program – Low Down Payment:
- This Fannie Mae program is designed for first-time home buyers. By taking a required home buyer class, participants can receive up to 3% toward closing cost assistance for the purchase of a HomePath property.
- Local Banks and Mortgage Companies – Low Down Payment and Grant Programs:
- Some local banks in Hampton Roads offer grants of up to 3% that you don’t have to pay back if you qualify. Additionally, there are currently 1% or $500 down loan programs available for qualified buyers.
Seizing the Opportunity:
Don’t miss out on the chance to turn your homeownership dreams into reality. By exploring these financing options, you can find a pathway that suits your financial situation. Affordable homeownership is within reach, and a mortgage lender can guide you through the process.
Ready to take the next step? Reach out to a lender today to discuss your options and discover the potential for buying a home with low or no down payment. The keys to your new home could be closer than you think!
Unlock Savings with Down Payment Assistance: Download Your Guide Now!
Are you dreaming of owning a home but worried about the down payment? We’ve got great news!
Our guide on down payment assistance for buyers is here to help you save money and turn your homeownership dreams into reality. Discover valuable tips and resources that can make a significant difference in your home buying journey.
Don’t miss out on this opportunity to save – download our guide now and take the first step towards making your homeownership dreams come true!
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font-size: 12px!important; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif; line-height: 22px; margin-bottom: 0; position: relative; vertical-align: top; font-style: normal; font-weight: 700; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-fieldRow .custom-select, #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow .custom-select { background-color: #ffffff !important; color: #333333 !important; border-color: #cccccc; border-radius: 4px !important; border-style: solid !important; border-width: 1px !important; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif; font-size: 14px !important; line-height: 20px !important; margin-bottom: 0; margin-top: 0; padding: 10px 28px 10px 12px !important; width: 100% !important; box-sizing: border-box !important; max-width: 100% !important; height: auto; display: inline-block; vertical-align: middle; background: url(‘https://assets.mlcdn.com/ml/images/default/dropdown.svg’) no-repeat right .75rem center/8px 10px; -webkit-appearance: none; -moz-appearance: none; appearance: none; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow { height: auto; width: 100%; float: left; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal { width: 70%; float: left; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-button-horizontal { width: 30%; float: left; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-button-horizontal.labelsOn { padding-top: 25px; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .horizontal-fields { box-sizing: border-box; float: left; padding-right: 10px; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow input { background-color: #ffffff; color: #333333; border-color: #cccccc; border-radius: 4px; border-style: solid; border-width: 1px; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif; font-size: 14px; line-height: 20px; margin-bottom: 0; margin-top: 0; padding: 10px 10px; width: 100%; box-sizing: border-box; overflow-y: initial; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow button { background-color: #000000 !important; border-color: #000000; border-style: solid; border-width: 1px; border-radius: 4px; box-shadow: none; color: #ffffff !important; cursor: pointer; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif; font-size: 14px !important; font-weight: 700; line-height: 20px; margin: 0 !important; padding: 10px !important; width: 100%; height: auto; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-horizontalRow button:hover { background-color: #333333 !important; border-color: #333333 !important; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow input[type=”checkbox”] { box-sizing: border-box; padding: 0; position: absolute; z-index: -1; opacity: 0; margin-top: 5px; margin-left: -1.5rem; overflow: visible; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow .label-description { color: #000000; display: block; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif; font-size: 12px; text-align: left; margin-bottom: 0; position: relative; vertical-align: top; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label { font-weight: normal; margin: 0; padding: 0; position: relative; display: block; min-height: 24px; padding-left: 24px; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label a { color: #000000; text-decoration: underline; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label p { color: #000000 !important; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif !important; font-size: 12px !important; font-weight: normal !important; line-height: 18px !important; padding: 0 !important; margin: 0 5px 0 0 !important; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow label p:last-child { margin: 0; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit { margin: 0 0 20px 0; float: left; width: 100%; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button { background-color: #000000 !important; border: none !important; border-radius: 4px !important; box-shadow: none !important; color: #ffffff !important; cursor: pointer; font-family: ‘Open Sans’, Arial, Helvetica, sans-serif !important; font-size: 14px !important; font-weight: 700 !important; line-height: 21px !important; height: auto; padding: 10px !important; width: 100% !important; box-sizing: border-box !important; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button.loading { display: none; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-embedSubmit button:hover { background-color: #333333 !important; } .ml-subscribe-close { width: 30px; height: 30px; background: url(‘https://assets.mlcdn.com/ml/images/default/modal_close.png’) no-repeat; background-size: 30px; cursor: pointer; margin-top: -10px; margin-right: -10px; position: absolute; top: 0; right: 0; } .ml-error input, .ml-error textarea, .ml-error select { border-color: red!important; } .ml-error .custom-checkbox-radio-list { border: 1px solid red !important; border-radius: 4px; padding: 10px; } .ml-error .label-description, .ml-error .label-description p, .ml-error .label-description p a, .ml-error label:first-child { color: #ff0000 !important; } #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow.ml-error .label-description p, #mlb2-10380675.ml-form-embedContainer .ml-form-embedWrapper .ml-form-embedBody .ml-form-checkboxRow.ml-error .label-description p:first-letter { color: #ff0000 !important; } @media only screen and (max-width: 400px){ .ml-form-embedWrapper.embedDefault, .ml-form-embedWrapper.embedPopup { width: 100%!important; } .ml-form-formContent.horozintalForm { float: left!important; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow { height: auto!important; width: 100%!important; float: left!important; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal { width: 100%!important; } .ml-form-formContent.horozintalForm .ml-form-horizontalRow .ml-input-horizontal > div { padding-right: 0px!important; padding-bottom: 10px; } .ml-form-formContent.horozintalForm .ml-button-horizontal { width: 100%!important; } .ml-form-formContent.horozintalForm .ml-button-horizontal.labelsOn { padding-top: 0px!important; } } function ml_webform_success_10380675() { try { window.top.location.href = ‘https://www.calameo.com/read/000929354b993d6b6aa69?authid=Hh2VdY7fXsJv’; } catch (e) { window.location.href = ‘https://www.calameo.com/read/000929354b993d6b6aa69?authid=Hh2VdY7fXsJv’; } } fetch(“https://assets.mailerlite.com/jsonp/116385/forms/108205938836505947/takel”)
