When do you put down 20%?

• You want to put a competitive bid in 
• You can afford to put that down and still have some spare.
• You want to pay shorter term and lower payments.
  

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What happens if you can't afford that?

20% of a house is a lot of money and so you may tell yourself you can't afford a home because of that. There are other options if you cannot afford that and you don't have the best credit in the world.

So what do you do?

Down Payment Assistance Programs.

• Research state wide and national programs that can help you.
• FHA loans for people without the best credit
• Ask your local lender if you qualify for any of the programs.
• For selected professionals GOOD NEIGHBOR NEXT DOOR.
• VA Loans for military