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Buy with Zero Down

If you can afford $2,500 in rent, then you can afford to buy with 0% down through GSFA.

  • GSFA will gift you up to 5% as down payment assistance (DPA)¹
  • No interest on the DPA and no need to pay it back after 3 years
  • No income limits or first-time buyer requirements for eligibility
 

WHAT IS GSFA?

Golden State Finance Authority is a California housing finance agency that supports affordable homeownership with down payment and closing cost assistance programs.

THE CATCH?

There is none. GSFA will gift buyers up to 5% in down payment assistance which doesn’t have to be paid back after 3 years and for First Responders & other essential workers, it never has to be paid back.

VA LOAN

Veterans and active-duty military additionally have the option of receiving up to 0% down and zero out of pocket costs with a VA loan.
 
YOU’RE STILL INCURRING THE EXPENSE OF OWNING A HOME EVEN IF YOU RENT.

In addition to saving money each month, when you trade a rental payment for payments on your own home, you take those monthly expenses you’re already incurring and put them back in your own pocket to build personal wealth.
THE AVERAGE HOMEOWNER HAS A NET WORTH 44X GREATER* THAN THAT OF A RENTER!²

Owning also allows you to lock in a consistent monthly payment that isn’t subject to rising rents or the whims of your landlord, with added savings in tax deductions each year.
 
 
HERE’S A REAL WORLD EXAMPLE:


 
Contact me to learn more about how you can elevate your life and financial situation through homeownership with 0% down.
 
¹Determination of eligibility for a particular program or exemption is made by the relevant authority. Up to 5% down payment assistance is eligible for conventional loans only. Up to 4% down payment assistance is eligible for FHA, VA, and USDA loans. Min. 640 credit score requirement, conventional loans require 5% down, FHA loans require 3.5% down - relevant authority may provide up to 5% down payment assistance. Please contact our office for more information and specific guideline requirements. Information as of 4/24/2020. ²2013-2016 Federal Reserve Survey of Consumer Finances.