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Down Payment Assistance

Washington State Bond Program

Wanting to purchase a home, but lack the down payment or high credit score?

This could be your answer…

This is an excellent option for someone with a credit score of 580 or above, who may lack the funds for a traditional loan.

Washington State will give you the 3.5% needed for the down payment.

In addition, you’ll receive another .5% to apply towards your closing costs.

Furthermore, no payoff of the 4% is due until your 30 years is up, or you sell the home.

As if that’s not already awesome enough, the 4% is lent to you at 0% interest.

Almost everyone we talk to qualifies or will qualify for this program with just a little bit of work and dedication!

Because of this reason, there’s no excuse to not make a move!

Due to the outrageous rental prices & lack of available rental properties; it’s becoming increasingly more difficult and expensive to rent.   Consequently, folks are being pushed towards buying!  Quite frankly it’s easier & cheaper in a lot of cases than renting.

We will answer your questions and assist you with the entire process!

Call me today to go over any questions you have!

 

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Jake Davis

425-610-8020

Obtain additional details on this program by contacting Michael Jefferson with Guild Mortgage!  Clients can also apply for a loan here today!

At the very least, call us to see what we can do for you!  We strive to put you into a home of your own!

Are you a new HomeBuyer?

Have you considered becoming a homebuyer?  Not sure where to begin?  You’ve started in the right place!  We help people just like you on their path to home-ownership everyday!  Don’t delay… Contact us today to get started!

First Time Homebuyer?

With the current rental market the way it is, it’s cheaper and generally easier in most cases to purchase!  For that reason, homes are flying off the market and causing a shortage of inventory!  We offer a complimentary homebuyer education class for anyone interested in learning the process of buying a home!  Even if you’ve purchased a home in the past, unless it’s been within the previous six months… The Market has completely changed and attending our class will help you gain an edge on your competition and land you your dream home!

 

With that said, we’ll cover the entire process of buying a home from start to finish & everything in between!

 Some of the homebuyer topics we’ll cover in detail are:

  • Credit Scores and Reports
  • Loan Programs and Getting Pre-Approved
  • Finding the Right Home and understanding wants vs needs
  • Offer Contract and Addenda (Purchase & Sale Agreement)
  • Title and Escrow
  • Earnest Money and understanding Important Timelines
  • Inspections and what to look for
  • Title Reports and Issues to be aware of
  • Appraisal
  • Insurance and Binders
  • Document Signing
  • Key Exchange and the Closing Process

In addition, we’ll cover some of the common misconceptions about real estate as well as go over a few scenarios to help you gain an understanding of what to expect.

As stated, there is a lot that goes into the process of buying a home and due to the amount of information we’ll cover, our classes generally range anywhere from 1 to 5 hours in length and allow ample time for questions you may have.

As always, we want you to take away as much as you can from this class! With that said, we have a Loan Officer, an Insurance Agent, and Experienced Real Estate Professional that will be teaching the class!

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We also understand and respect that you may have already picked out who you’ll be working with for your home purchase; so we’ll never pressure you to work with us!  We really love what we do, and as a result, we enjoy teaching people about the process!  Zati Realty Group, Inc. has built it’s business with honesty, and integrity; and pride ourselves on how well we treat our clients, their friends, and family!  Most of all, our team truly wants you to have the best experience you can have; before, during, and after your purchase!  Therefore, we aim to create a life-long professional relationship with our clients!

We hold classes almost every week, so Contact us today!

Looking to Rent? Why Not Buy?

If you’re thinking of renting, or are currently paying rent… Come chat with us!

Most of the clients that come to rent a property through us, actually don’t realize how simple it is to purchase!  If you’ve been told that you can’t do it, or you don’t have enough money for a down payment; or any other reason why someone else thinks you can’t do it…  Then come see us!

Rent Vs Own

If you qualify to rent, especially in this market… There’s a great chance that you’re already qualified to purchase a home of your own.

We specialize in helping people with less than perfect situations, whether it’s someone with background issues or credit problems.. we offer the help you need!

Even if you just want more information about the process…  We’re here for you!

Call 425-610-8020 or click & contact us today to get the ball rolling!

 

Finance after Distress

BK AND FC MATRIX

If you’ve gone through a short-sale, foreclosure, or bankruptcy in the past and would like to finance a home… Review the flyer for waiting periods on loan type of interest!  For more information on different loan types and other financing details, please contact Michael Jefferson of Guild Mortgage at 425-238-7296