Calvin Haslem, Home Buyer in 33056


Asked by Calvin Haslem, 33056 Mon Apr 2, 2012

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Andrew Liebe…, Agent, Sunrise, FL
Wed Apr 23, 2014
There is a program that I use, that gives fha buyers (who meet the requirements) a 10k interest and payment free loan to take care of the down payment and closing costs on the home. You only pay back the loan when you sell. If you pay your loan off, you do not need to pay the loan either.

3 years of tax returns
640 credit score
Must not make more than 70,000 individually
Must make more than 25,000
Must live in the home as the primary residence
May not own another home at the time of purchase

If interested and are not working with another realtor, you may contact me.

Real Living/First Service Realty
0 votes
Ann Ryan, Agent, Doral, FL
Tue Apr 3, 2012
Calvin, I am working with a lot of buyers, and while down payments can be a challenge, the bigger problem is finding a house that can fit their budget and needs. While there are FHA programs out there which can allow you to buy with as little as 3.5% down, they're really best for good condition single family homes. In Miami, we seem to have a lot of - not so good condition single family homes, or condos/townhomes. For either of these, you'll probably need a conventional loan - 20% down. You can also look to specialty programs such as Homepath and Hud, which can get your foot in the door, but you'll be buying a fixer-upper.

Give me a call if you'd like to discuss this in more detail.
0 votes
Alma Kee, Agent, Tampa, FL
Tue Apr 3, 2012
We have a First Time Homebuyer Bond Program that can give you up to $7,500 to be used towards your downpayment and closing costs. You must have a 620 FICO and the house has to be in good functional condition to be able to get a regular FHA, USDA, VA or Conventional Mortgage. You cannot earn more than about $71k for a single persona household and you must work with an APPROVED lender on the list, go here:…

Your county may also have other downpayment assistance programs, google your county name and "first time homebuyer".

All the best,
Alma Kee
0 votes
Thanks so much for the info,but will i have to get pre appoved again through them? and do i have to find a property through them?
Flag Thu Apr 5, 2012
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