Homeownership Programs

Build Equity:

• When you own a home, you’re not just paying rent – you’re investing in your future. As you make mortgage payments, you’re building equity that can serve as a valuable asset down the road.

Stability and Control:

• Say goodbye to lease renewals and unexpected rent hikes. Homeownership provides stability and control over your living situation, allowing you to make your house truly feel like a home.

Personalization:

• Unlike renting, owning a home gives you the freedom to personalize and decorate your space as you see fit. Paint the walls, plant a garden, and create a living environment that truly reflects your personality and style.

Tax Benefits:

• Homeownership often comes with tax advantages, such as deductions for mortgage interest and property taxes. These benefits can add up over time and contribute to your overall financial situation.

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Shelter Realty Incentives

Additionally, if you work with a Shelter Realty Agent, we can offer one (1) of the following incentives at successful close of escrow:

• Free cleaning of the rental home you are vacating (up to a $500 value)
• Free home warranty (up to a $500 value)
• Reimbursement of appraisal at successful close of escrow (up to $500 value)

DON’T WAIT ANY LONGER! LET US HELP YOU GET FINANCED TODAY!

CONVENTIONAL:

• Low down payment options
• 10 to 30 year fixed loan terms
• Credit scores as low as 620
• Options for monthly mortgage insurance or once time mortgage insurance
• Appraisal waiver options
• 2nd homes & investment properties

VA:

• For U.S. veterans and active duty looking to buy a primary residence
• No money down option without mortgage insurance
• Low- to moderate-income borrowers

FHA:

• Minimum 3.5% down payment
• Great option for less than perfect credit
• 100% gift funds for down payment allowed.
• Credit scores as low as 580
• Non-Occupant co-signers are permitted.
• Great for buyers with limited savings