Custom designs don’t come cheap. And if you’re like most people you may not always be able to afford the luxury of hiring an interior designer or a contractor to enhance your home with

Dated: September 20 2019
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If you're thinking about buying a home, there's a good chance that you've already thought about your down payment. Traditional real estate wisdom says that you should save up 20 percent of a home's purchase price to buy - but is that still true?
Here's what you need to know.
A 20 percent down payment is ideal. It's a large amount, but if you put that much down, you will:
However, you don't have to put down 20 percent when you buy. Some programs allow you to put down as little as 3 percent - and if you're using a VA loan, you can buy a home with nothing down.
One of the most popular low-down-payment loans is an FHA loan. That allows you to put down 3.5 percent, as long as you meet certain criteria. However, you'll still have to pay mortgage insurance premiums.
Other loans include HomeReady and Conventional 97 mortgages, both backed by Fannie Mae. Each allow you to put down 3 percent as a down payment, but you must meet credit requirements and other criteria, too.
Chip is the IT Manager for Alex MacWilliam Real Estate. He handles the technology needs of the company as well as helping agents in their day to day problem solving.....
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