First Time Home Buyer and Down payment assistance programs for home buyers seeking government grants and charity not for profit contributions.

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  • † About Down Payment Help

    • Description: Down Payment Solutions™ is a site that was designed to be user friendly and easily navigable, and a timely help to prospective home buyers by providing in one place High Quality Lenders, High Quality Realtors, Home Buyer Information, and Down Payment Help

  • ⇒ Home-Buyer Grant Help Pick Your State

    • Description: Use this page to identify your state and find grant resources available in your area.

  • † Benefits of Down Payment Programs

    • Description: There are unique benefits to down payment assistance programs. Find out about Down Payment Solutions™ and how we can make the job of buying your home so much easier.

  • † Builders Needs With Down Payment Assistance

    • Description: Sometimes a home builder just can't get a home buyer approved through typical channels. Builders and Home Buyers should review Down Payment Solutions™ to see how we may be able to help.

  • † New Home Builders With Down Payment Assistance

    • Description: New home builders can partner with homebuyer assistance programs and help more home buyers become successful home owners.

  • † Buyers Assistance Programs

    • Description: You have come to a site all about giving you clear answers to your choices and clear benefits and costs to using any down payment assistance program.

  • † Home Buyer Nationwide Gifts

    • Description: Looking for home buyer gift programs can be frustrating for many future buyers. We've compiled a listing of charity ang not for profit organizations for your use.

  • † Charity Grant Competitor Sites of Interest

    • Description: Since our primary goal is to help you, these are quality competitor sites you may find of interest.

  • † Contact Down Payment Help

    • Description: Use our contact form to get in touch with Down Payment Solutions™. We welcome comment, suggestions, corrections and all constructive feedback.

  • † Contest Entry Submission Confirmed

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  • † Contest Entry Page

    • Description: You Could Win $1,000.00 in our Down Payment Solutions™ Essay Contest. Enter To Win!

  • » A Donation to Down Payment Solutions™

    • Description: Make a small contribution to support this down payment assistance resource.

  • † Copyright Notice

    • Description: Down Payment Solutions™ copyright notice for site users.

  • † Frequently asked questions about Down Payment Solutions™

    • Description: Learn what questions other people are asking about down payment help, government grants and not for profit charity organizations.

  • † We want your feedback on our site

    • Description: We want your feedback on our site. Please use this form to tell us what you really think and what we can do to make our site better.

  • † First Time Home Buyers Grant Resource (FREE)

    • Description: First Time Home Buyer grant directory to free down payment programs throughout the nation.

  • † Help Defeat The Google® Sandbox

    • Description: This Down Payment Assistance resource hub designed for home buyers is trapped in a Google® Sandbox.

  • † Down Payment Assistance Programs Directory (FREE)

    • Description: A complete directory to down payment assistance programs for first time home buyers, and everyone else, seeking REAL grant money to purchase a new or existing home.

  • † Lender Sponsor Opportunities

    • Description: Become a sponsor of Down Payment Solutions™ and match your services with highly targeted first time home buyers searching for answers and help you can provide

  • † Mortgage Lenders Brokers Bankers

    • Description: Learn about Mortgage lenders, brokers and banks and how they each can expand your financial options when purchasing a home.

  • † Link to Down Payment Solutions™

    • Description: Use this page to link to the Down Payment Solutions™ web site.

  • † Realtors® Need Down Payment Programs

    • Description: If you're a Real Estate Agent or home buyer, you will love our down payment assistance directory

  • » Get a Home Loan!

    • Description: Down Payment Solutions™ has partnered with a quality resource to help home buyers get a home loan from high quality local lenders.

  • † Credit Challenged Myth Busters!

    • Description: Find out the Real Truth of mortgage lending as it relates to your credit and interest rate.

  • † Privacy Policy and Terms of Use

    • Description: Down Payment Solutions™ privacy policy outlining terms of use and how we manage your information.

  • † Seller Needs Gift to Close

    • Description: Sellers need gifts for their buyers to close just as badly as home buyers want these down payment funds.

  • † Realtors® Help Home Buyers

    • Description: Down Payment Assistance resource hub for real estate agents and homebuyers nationwide. Use this resource to help your home buyers become home owners.

  • † Search Results

    • Description: Home downpayment grants, gifts and down payment assistance for home buyers needing assistance for a down payment or with closing costs for a mortgage loan.

  • † Buyer First Time Home Program Resources

    • Description: Buyer first time home programs provides home buyers with access to a nationwide government grant directory designed to help first time home buyers with free down payment assistance and closing cost help.

  • † Visitor Feedback

    • Description: Visitor feedback for the Down Payment Solutions™ Website.

  • † Resources

    • Description: DOWN PAYMENT LINKS ORGANIZED BY STATE

  • † Page Sponsor Request

    • Description: Request to sponsor one of our many pages advertising your mortgage and real estate products to our thousands of visitors.

  • † State Housing Authority Listing

    • Description: Find your state housing authority contact information here.

  • † Charity Not For Profit Home Buyer Assistance

    • Description: Down Payment Solutions™ explains the difference between charity not for profit organizations and grant programs in detail.

      home_buyer_education

    • Θ How To Build A Credit File

      • Description: This lesson help future home buyers to create and build a quality credit file from scratch. Though some aspects take time, the investment versus benefits are tremendous.

    • Θ Don't Cheat Yourself!

      • Description: As a home buyer, there are certain things you should and should not do in preparing for your home loan application.

    • Θ Easy Steps to Reduce That 30 Year Loan

      • Description: So how do you reduce your payment terms and effective interest rate without ever refinancing? Use this simple technique that requires paying no one but yourself and your mortgage company.

    • Θ FHA Application Checklist

      • Description: Use this handy FHA Application Checklist to help you put together the strongest loan application package you can.

    • Θ FHA Conventional Down Payment Money

      • Description: This page provides homebuyers with and over view of how to use programs to gain FHA and Conventional down payment money.

    • Θ Fraud At Closing

      • Description: Home Buyer Education - Fraud At Closing. This is part three of the loan fraud lesson and addresses the unfortunate fact that most fraud won't be identified until closing.

    • Θ Typical FHA Home Loan Documentation

      • Description: This is a list of Documentation that is typically required with the FHA mortgage loan program.

    • Θ Home Buyer Education

      • Description: Understanding the mortgage loan process is one of the most difficult and challenging issues facing the average first time home buyer today. This section is dedicated to helping you to be a smarter consumer, however, it's up to you to help yourself.

    • Θ Don't Become A Victim

      • Description: Home Buyer Education - Don't become a victim of mortgage fraud. This is part two of the loan fraud lesson.

    • Θ How Gifts and Grants Work

      • Description: This page outlines how homebuyer gifts and grants work in relationship to one another.

    • Θ Hud Break Down

      • Description: This page provides an overview of how a HUD breaks down when using a real estate professional in a purchase transaction.

    • Θ I Can't

      • Description: This page is designed specifically for those that just don't believe they can achieve greater success.

    • Θ How To Effectively Use Down Payment Assistance

      • Description: Learn how to effective use down payment assistance programs in relation to your available funds to close versus the amount of mortgage loan you can qualify for.

    • Θ Interest Rates and You

      • Description: The rate of interest you pay on your loan can have a significant impact as to how much home you can afford. However, before you begin negotiating, you need to know your credit.

    • Θ Interest Rate Buy Downs

      • Description: Sometimes it hard understanding all the details of the mortgage process. Here we try to explains the interest rate buy downs and how they are applied.

    • Θ Keeping 6 Percent Commission

      • Description: This page puts an emphasis on keeping the 6% commission normally paid to a real estate professional in a purchase agreement.

    • Θ Lease Purchase Option

      • Description: When all else fails for a prospective home buyer, you can look to use a lease purchase option.

    • Θ LIBOR - London Inter Bank Offered Rate

      • Description: Learn about the various Libor based mortgage loan programs available to first time home buyers.

    • Θ Loan Programs Designed First Time Buyers!

      • Description: This program addresses loan programs that have been designed by Fannie Mae, Freddie Mac and HUD just for you.

    • Θ Local Home-Buyer Education Classes

      • Description: Home Buyer Education - While online education is a great primer, we encourage you to look to local independent resources for your area.

    • Θ MAXIMIZING CREDIT AND SCORES

      • Description: This section outlines how you as a home-buyer can maximize your credit scores using simple and safe techniques.

    • Θ Adjustable Rate Mortgages

      • Description: This page gives future home buyers a better understanding of Adjustable Rate Mortgages.

    • Θ Balloon Mortgages

      • Description: This page is designed to give home buyers a basic understanding of balloon mortgage loans and how they function.

    • Θ Bringing it all together

      • Description: This topic addresses combining all the prior topics into a understandble tool that will help you put together a your road map.

    • Θ Mortgage Broker Lender Banker you Pick

      • Description: Depending upon your needs, any lender or broker that meets your needs is actually a good thing. Deciding who to use should not be based upon the source of the funds, but should only be based on the counsel you receive, the type of loan, the rate interest and the cost to close.

    • Θ Typical No Doc Mortgage Documentation

      • Description: The No Documentation loan program requires almost no form of verification. However, you must keep in mind this is not a program designed to work with down payment assistance.

    • Θ Building A Down Payment

      • Description: Sometimes we simply can't qualify for a down payment grant or find a seller who is willing to contribute to a charity on our behalf. Here are alternative you can use to help build a down payment nest egg.

    • Θ Building A Roadmap to Success for Home-buyers

      • Description: This section of the home-buyer education section addresses what every home buyer should do when planning a home purchase before taking the first step.

    • Θ Should I Buy A Manufactured Home

      • Description: As a home buyer you will be faced with hundreds of choices. One of them involves buying a manufactured home. Should you or shouldn't you?

 

 

  • Θ Mortgage Calculators

    • Description: various calculators that will help you in working out; how much assistance you need to purchase your home, how much payment you can afford, Loan Costs, Amortization Calculations, Credit Score Calculation and many other useful scenarios.

  • Θ Choosing How to Buy Your Home

    • Description: Deciding whether to use a Realtor® or purchase a home for sale by owner is the most important decisions you need to make. Depending on the amount of money you have to put down, it can make the difference in getting a contract on that dream home.

  • Θ COFI - Cost of Funds Index

    • Description: An overview of what the COFI - Cost of funds index - is and represents as an index.

  • Θ Typcial Conventional Loan Documentation

    • Description: This is a typical list of documents your will need to gather together for a conventional loan.

  • Θ Credit Life and Credit Disability

    • Description: Home Buyer Education - There are many opinions concerning these touchy subjects. Our independent opinion says what can you afford?

  • Θ The Right Way To Dispute Accounts

    • Description: This page begins the process of describing the correct way in which home buyers should dispute credit collection accounts.

  • Θ Wrapping Up Credit Repair

    • Description: This page closes out our series on the proper steps to credit repair for future home buyers.

  • Θ Reverse Mortgages

    • Description: Down Payment Solutions™ continues its home buyer education on mortgage products by touching on the reverse mortgage loan.

  • Θ Sample HUD Using DownPayment Help

    • Description: This page provides home buyers with a sample of how a real estate transaction works when using downpayment help with and without a real estate professional

  • Θ Selecting a Mortgage Program that Fits You

    • Description: How do you select the right mortgage program that fits your purchase needs? Find out more in our education section.

  • Θ Selecting A Title Company

    • Description: When choosing a title company, your focus must be on the cost the title company will charge you.

  • Θ Finding A Good Appriaser

    • Description: When beginning the home buying process, it is important to use a quality appraiser. Use this search tool to locate a appraiser near you.

  • Θ Standard Home Loan ARM Differences

    • Description: An overview of the variations of arm (adjustable rate mortgages) programs and indexes and the differences between them.

  • Θ Get A Mortgage Commitment

    • Description: Home Buyer Education - There is a huge difference between a pre-qualified and pre-approval. To protect your interest there is one document you absolutely MUST get.

  • Θ Graduated Payment Mortgage

    • Description: This section provides an overview of the Graduated Payment Mortgage and how it applies to your interest rate.

  • Θ Typical Home Equity Line Documents

    • Description: You'll find the documentation you need for most loan types including the HELOC second mortgage loan program

  • Θ Home Buyer Warranty

    • Description: Home Buyer Education - Get that home buyer warranty before the money pit gets you!

  • Θ Do I Need A Home Inspection

    • Description: Deciding whether to get a home inspection or not can be the difference between paying 450 dollars and 3000 dollars for repairs after closing.

  • Θ Home Owner Insurance

    • Description: Home Buyer Education - There are many insurance companies and agents to pick from. How do you know which one is right for you?

  • Θ Homebuyer Steps Continued

    • Description: This is the final page of steps a homebuyer should use only as a guide when going through the home purchase process

  • Θ The Association Nightmare!

    • Description: Whether it is a Home Owner Association, a Condo or Town Home Association, as a home buyer it is important to understand what they cost and why they exist.

  • Θ Down Payment Help is on The Way!

    • Description: This final lession gives home buyers a general understanding of the most effective mix of credit types to maximize FICO scores

  • Θ Troubled Loan Warning Signs

    • Description: Home Buyer Education - How do you know when your loan is in trouble? These are some of the most common warning signs!

  • Θ Using Alternative Purchase Options

    • Description: You've done everything right but you still can't get approved. What are your alternatives to buying a home?

  • Θ VA Loan Document Requirements

    • Description: Typical Va Loan documentation for the va insured home loan program located here, plus so much more.

  • Θ What to Ask for in a Real Estate Contract

    • Description: Whether working with a Real Estate professional, or buying a home for sale by owner, you need to understand what you need in order to not just contract, but to close.

  • Θ What Are Construction Perm Loans

    • Description: This section addresses what construction perm loans are for those buyers building a home rather than purchasing an existing property.

  • Θ What Are Homestead Exemptions

    • Description: You've finally closed on that new home, now what do you do? First, you file that homestead exemption.

  • Θ When Do I Lock My Interest Rate

    • Description: Once you have contracted on a home, you need to decide quickly about locking your interest rate. So how do you know when the best time is?

  • Θ You and Your Credit

    • Description: One of the most valuable financial resources you have is your credit. It is our picture to the financial world on how we, in a given moment in time, handle our obligations.

  • Θ Your Closing Costs Matter

    • Description: Your closing costs play a big role in the amount of funds you need to have in order to purchase your home. They vary significantly from state to state and can be the difference between success and failure.

  • Θ Your Worst Home Buying Decision

    • Description: When buying your home, do you know what the worst decision you can make is? Learn about this and many other things in our home buyer education section.

  • Θ Mortgage Insurance and Your Mortgage Payment

    • Description: Mortgage insurance is a necessary evil in the mortgage loan industry. As a home buyer you need to understand what it is, how it works and how it can affect your choices.

  • Θ Don't Commit Mortgage Loan Fraud

    • Description: Home Buyer Education - This section addresses a growing problem in the mortgage industry affecting thousands of home buyers every month.

  • Θ NINA No Income No Asset Documentation

    • Description: You'll find the documentation you need for most loan types including the NINA - no income no asset mortgage loan program

  • Θ Typical No Ratio Loan Documents

    • Description: This is the normal documentation needed for the no ratio loan program

  • Θ Protecting Your New Investment

    • Description: Now that you've closed that home loan and filed your homestead exemption, how do you protect the long term investment we call your home.

  • Θ Mortgage Loan Products

    • Description: Trying to decide which mortgage program best meets your needs is a tough job. So, this section was created to simply give you an overview of the most common available programs.

  • Θ Preparing for The Loan Application

    • Description: Not sure how to complete your application? Use this page to prepare for you home buying adventure so you can enjoy the trip rather than regret it. Great resource for first time home buyers with no prior experience with the mortgage loan process.

  • Θ Protecting Your Credit

    • Description: This section outlines how homebuyers can effectively protect credit today and in the future.

  • Θ Repairing Credit the Right Way

    • Description: This starts the process of repairing credit the right way prior to applying for a home loan

  • Θ Reading Your Credit Report

    • Description: This Section Gives An Overview of how to read the most important symbols in your credit report and what they mean to you.

  • Θ Repair Your Credit 101

    • Description: Repairing your credit is as easy as 1-2-3 using this quick and easy plan. Best of all, it's free information from our Down Payment Solutions™ home buyers education resource.

  • Θ Overview Of Repairing Credit

    • Description: This section provides future and current homebuyers with an overview of credit repair myths and facts.

  • Θ The Real Estate Closing Process

    • Description: There are a lot of things that take place in the closing process that you never know about. Learn more in our home buyer education section.

  • Θ The Real Way to Monitor Home Loan Interest Rates

    • Description: There is a quick and easy way to track and monitor interest rates. Find out how in our home buyer education section.

  • Θ The Right Steps to Buying Your Home

    • Description: To smooth your Trip, we've put together this action plan to help your home purchase go as smoothly as possible. Follow it, and the odds are in your favor to have a happy home buying experience.

  • Θ The Cost of an Attorney in your Real Estate Transaction

    • Description: Real Estate Attorneys are pushing hard to attract your business. Do you know the added costs and benefits they bring to a real estate closing?

  • Θ Typical Stated Income Loan Documents

    • Description: These are the typical documents you need for the stated income loan program

  • Θ How Refinancing Can Steal Your Equity

    • Description: You've been in your home for a year and you get a phone call from out of the blue with a lender offering you a 1.95% interest rate? Learn how refinancing can steal your equity.

  • Θ The No Closing Costs Loan Myth

    • Description: No matter what you've heard, there is no such thing as a No Closing Cost loan unless the seller is paying all your fees. Learn the truth here!



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