Minimum of 3% down payment for conventional financing has to be from your own funds, sourced for 60 days. 3.5% down payment for FHA financing can be a gift of money from your family , and USDA/VA financing is 100% with no down payment required. USDA limitations on income by county /State plus the property address has to be in an eligible area. VA (Veteran) is 100% with no PMI and a great option if you are a qualifying veteran.
You can call me 864-527-8900 x 128 - Rhonda Cameron to do a pre-qualify. or go to our website
http://www.horizonfinancialinc.com to fill out an online application.
Good luck in your process
I would say don't get caught up in getting a house at max someone can get you a loan for. Or the big fancy house on the block. I know it looks nice and it's what everyone thinks they want. But remember most people want to get wealthy also. You max out on a house & loan. Your likely not going the way of getting wealthy. You might look wealthy(er).
Your house working for you is by miles better than you working for it.....
We have a number of ways to get people in houses (big or small). Such as rent to own paid off in 10 yrs. or just rent as you pay off the house quicker or longer. Or go to the lender type houses. Depending on what you are looking for or need.
Your welcome to call Marie at 864-915-8830. She can see if what we have can work for you or if not what might be a good way for you to roll. She is easy to speak with and no stress or games. Our web site is http://www.urhome.info Hope this helped!
Once you find out what you qualify for, it's time to talk to a Realtor. A Realtor will help you find what you want that fits into your budget and guide you through the closing process.
J Michael Manley Team
Keller Williams Realty