Depending on your income you may qualify for grants which can eliminate or reduce the down payment. If "solid" income means a lot you may not qualify. However, if "solid" means "stable", possibly you do! Here's a link to educate yourself on these. http://massresources.org/down-payment-assistance.html
We accept these grants as down payment when arranging mortgage financing for our clients and although not all banks will accept them, many will.
I am available to help you at your convenience if you wish.
I can do a full underwriting approval ahead of time if need be and I also offer credit score improvement programs for free while we work on your mortgage.
If you like my answer above, consider clicking on a “Thumbs Up” or “Best Answer”
Robert L. Hanson
Gladewater National Bank
First Time Homebuyer Specialist
Direct: 240-752-7549 Cell: 301-651-7822
Rate quote or live chat with me at the link below: