David Weiss Realtor

Saving up 20% down is keeping a lot of people renting longer than they need to. Here's what most buyers don't realize, 60% of first-time buyers put down 3.5% or less.

There are real loan programs built for this. FHA loans let you get in with 3.5% down and are more forgiving on credit. Conventional 3% loans are great if your credit score is 720+. And USDA loans? Zero down, and they're not just for farms. Plenty of suburban neighborhoods qualify.

The PMI fear is real, but overblown. Most PMI is under $100/month. That's less than most people spend on coffee. And once you hit 20% equity, it goes away.

The math makes more sense than most people think. Let's figure out which program fits your situation, drop "LOAN" in the comments and I'll send you the breakdown.