Linda on Lending

Your Real Estate Loan Made Easy

Low Down Payment Choices for First Time Home Buyers

Buying your first home is an exciting time!

But, sometimes a first time home buyer might think that they have to wait until they’ve saved at least 20% for a down payment.


You can buy a home for as little as 3% down.

Several great loan programs are available to help you get started on the path to home ownership including:

1. Conforming conventional loan with 3% down

2.  FHA loan with 3.5% down (up to $726,525 depending upon what county you buy in)

3. Conforming high balance loan (loans from $484,351 up to $726,525 depending on the County)  with 5% down.


Helping a client buy their first home is a thrill I never get tired of.  It is so much fun to get a client approved for a home loan, especially when they’ve been told no by someone else!

The truth is your loan officer makes a big difference in your desired outcome, and experience is important.  Read the following Success Stories to learn how my experience and listening skills helped two different home buyers:

Linda Piper – Mortgage Specialist     BRE 01110003  |  NMLS 424824                     Planatek Financial, Inc. – Mortgage Broker     BRE 01329960  |  NMLS 328893

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