Nicole Berthold Realtor

How does a home equity agreement work? Find out here.

What is a home equity agreement? How it compares with a HELOC or home equity loan. A home equity agreement allows homeowners to access their equity without taking on another monthly payment. Find out whether an HEA is right for you.

🚨 MYTH: You need 20% down to buy a home. TRUTH: Many buyers in Missouri qualify for programs that require as little as 3% — and some VA and USDA loans require ZERO down. If you've been sitting on the sidelines because you think you can't afford it, please DM me before you write yourself off. You might be a lot closer than you think. Here are a few options worth knowing: ✅ FHA Loans — as low as 3.5% down ✅ VA Loans — 0% down for eligible veterans ✅ USDA Loans — 0% down in qualifying rural areas ✅ Conventional — as low as 3% for qualified buyers ✅ Missouri down payment assistance programs Save this and share it with someone who thinks homeownership is out of reach. 👇

Real talk — which one would you choose? 👇
A) A lower purchase price on the home 😎
B)A lower interest rate
Both affect your monthly payment, but in very different ways.

Drop your answer in the comments and I'll break down how each one actually plays out for buyers in St. Charles and St. Louis County right now! 🏡 (P.S. There's no wrong answer — and I'll share what most of my clients say once the votes are in!)