#Buy House Program

🚨 Homebuyers — Did You Know This? 🚨 You may be able to buy a home with as little as $100 down through the HUD $100 Down Program using FHA financing. 🏡 These are government-owned HUD homes 📍 You can search by state (I showed Georgia in the video — 27 homes available at the time of recording!) 👀 You can view property details and interior photos online To purchase a HUD home, you’ll need: ✔️ A lender who knows how to structure the $100 down program That’s where I come in. I’ll: • Get you pre-approved • Connect you with my trusted Realtor partner to represent YOU • Help negotiate seller-paid closing costs when possible 📩 Message me “HUD” to see if you qualify. LICENSED: FL,GA,SC, NC, MS and access to all 50 States & Washington, D.C. Apply👉 cardinalfinancial.com/kimberli.perry

These are HUD‑owned homes—basically properties that had FHA loans, went back to HUD, and are now listed for sale. They’re often priced competitively, and if they qualify for FHA financing, that’s where the $100 down option comes in.

Many buyers don’t realize there are grants that can help cover thousands of dollars toward your down payment or closing costs. Some of these you never have to pay back. Here are a few programs many buyers qualify for:✨ 💰 National Homebuyers Fund (NHF) Up to 5% of your loan amount as assistance. Works with FHA, VA, USDA, and Conventional loans — and you don’t have to be a first-time buyer. 🏦 Bank of America Down Payment Grant Up to $10,000 toward your down payment. No repayment required. Must finance through Bank of America. 🏡 Wells Fargo Homebuyer Access Grant Up to $10,000 toward your down payment • Up to $5,000 for closing costs through the Dream Plan Home program. Both are grants no repayment. 🔑 Chase Homebuyer Grant Up to $5,000 in select communities. Can be used for down payment, closing costs, or lowering your interest rate. 🚔 HUD Good Neighbor Next Door Teachers, police officers, firefighters, and EMTs may qualify to buy certain HUD homes at 50% off the price in designated areas. A few tips if you’re thinking about buying: • Many programs require a homebuyer education course • Some have income limits • Several programs can sometimes be combined together Before you start shopping for homes, your agent and lender should walk you through every program you qualify for. A lot of buyers leave money on the table simply because they didn’t know these existed🏡🔐 #realestatetips #grants #homebuyers #firsttimehomebuyer

💡 What income do you really need to qualify for a $400,000 house with an FHA loan? 🏡 You might think you have to make a crazy amount — but here’s the truth: It’s not just about one income number… it’s about how your income stacks up with your debts and the loan parameters lenders use. 🔍 FHA loans are designed to help buyers get in the door with lower down payment expectations and more flexible requirements — but lenders still look at your overall financial picture (like debt-to-income ratios and housing costs vs income). So before you assume you “don’t make enough,” understand the full picture lenders actually consider. 📊✨ This is the kind of info that can shift someone from “maybe someday” to homeowner now.👇 Want a breakdown of how this works? Drop a 🏡 in the comments! #homebuyingtips #FHAmortgage #realestateeducation #firsttimehomebuyer #mortgagetips

To be clear… there is a fee from the government for this low rate. You can roll it into your loan, but still, there is a cost. Follow me if you want to learn more about home buying and getting money!

"𝐍𝐄𝐕𝐀𝐃𝐀 𝐎𝐍𝐋𝐘" Most first-time buyers have no idea how much free money is available to them — and most agents never bring it up. But 2026 is packed with real grant programs that can help cover your down payment and closing costs… without ever needing to pay them back. Yes, really. Here are a few worth knowing about: 🏡 National Homebuyers Fund (NHF) Covers up to 5% of your loan amount as a grant. Works with FHA, VA, USDA, and conventional loans. (And you don’t have to be a first-time buyer.) 🏦 Bank of America Community Grant Up to $10,000 toward your down payment in select areas. No repayment required. Must finance through BofA. 💳 Wells Fargo Homebuyer Access Grant Up to $10,000 toward down payment plus up to $5,000 in closing cost credits through their Dream Plan Home program. 🏘️ Chase Homebuyer Grant Up to $5,000 in select communities — usable toward down payment, closing costs, or buying down your rate. 🚒 HUD Good Neighbor Next Door Teachers, police officers, firefighters, and EMTs can buy eligible HUD homes at a 50% discount. (Yes — half off.) If you’re in Nevada, qualification varies by program, income, and lender — but most buyers are shocked to learn they do qualify for something. Here’s the part no one tells you: Your agent and lender should be walking you through every program you qualify for before you start shopping. That’s the minimum standard of service you deserve. If you want me to check which grants you’d qualify for in Las Vegas, send me a DM — I’ll run the numbers for you. 𝑾𝒉𝒆𝒏 𝒚𝒐𝒖’𝒓𝒆 𝒓𝒆𝒂𝒅𝒚, 𝒘𝒆 𝒂𝒓𝒆! 🪪 S.0074241 📱 Call or Text: 702-857-7169 📨Email: [email protected] 📅 Free Real Estate Consultation (Zoom Call):https://bit.ly/movingtolasvegassurvey https://typecard.com/982427d8/ Follow: @movingtolasvegasnv

DON’T USE FHA UNTIL YOU UNDERSTAND MORTGAGE INSURANCE 1) FHA MIP IS DIFFERENT • FHA charges mortgage insurance 2 ways (upfront + monthly) • Conventional only charges monthly MI if you put < 20% down 2) UPFRONT MIP COST • 1.75% of loan amount • Rolled into the loan balance • Tradeoff = lower cash upfront, less equity 3) HOW LONG MI STAYS • 3.5% down → MI stays for life of loan • 10%+ down → MI drops after 11 years • Refi into conventional = remove MI sooner follow for more tips on home buying #realestate #mortgage #firsttimehomebuyer #homeloans #homebuyingtips

Dreaming of homeownership? You might be closer than you think! Discover programs like FHA that allow you to buy with little to no money down. Your keys could be just around the corner. #Homeownership #FHA #RealEstateInvesting #FirstTimeHomeBuyer #MortgageTips #DreamHome #FinancialFreedom #HouseHunting

What income do you really need to qualify for a $325,000 house with an FHA loan? 🏡 You might think you have to make a crazy amount — but here’s the truth: It’s not just about one income number… it’s about how your income stacks up with your debts and the loan parameters lenders use. 🔍 FHA loans are designed to help buyers get in the door with lower down payment expectations and more flexible requirements — but lenders still look at your overall financial picture (like debt-to-income ratios and housing costs vs income). So before you assume you “don’t make enough,” understand the full picture lenders actually consider. 📊✨ This is the kind of info that can shift someone from “maybe someday” to homeowner now.👇 Want a breakdown of how this works? Drop a 🏡 in the comments! #homebuyingtips #FHAmortgage #realestateeducation #firsttimehomebuyer #mortgagetips

🏡 Want to buy a $390,000 home? Let’s break down exactly how much you actually need to be making to qualify in today’s market — and what lenders are looking for! 💰🔍 👉 In this reel I cover: • Estimated income you need to qualify • What lenders check before saying “YES” • Tips to improve your approval odds Whether you’re a first-time buyer or leveling up your home search — this breakdown will save you time (and stress!). 💡🔥 💬 Drop a comment if you want a calculator version of this! #RealEstateExplained #MortgageTips #Homebuying101 #DreamHomeJourney #HouseHunting

300K FHA with $15K down payment assistance… and you still think you need 20% down? 👀 On a $300,000 home, FHA only requires 3.5% down — and if you qualify for $15,000 in assistance, that can cover your entire down payment and a chunk of closing costs. Translation? You could buy with way less out of pocket than you think. The real question is… are you actually priced out — or just under-informed? I’m accepting new clients — follow for more. NMLS 1830749 #FHALoan #DownPaymentAssistance #HomeBuying2026 #FirstTimeHomeBuyer

Many people think you can only ever have one FHA loan at a time. That’s usually true… but there are a few specific situations where HUD allows a second FHA loan. One of the most common: your family has grown and the current home no longer fits your household. Here’s how that can work 👇 🏡 1. Documented increase in family size HUD may allow a second FHA loan if your household has grown (new child, dependent family member, etc.) and the current home is no longer adequate. 📏 2. The current home is too small for the new household Typically lenders look for a clear space issue (for example, moving from a small 2-bedroom to accommodate a larger household). 📍 3. The new home must become your primary residence FHA financing is only for primary occupancy, so the new property must be where you actually live. 💰 4. You still must qualify carrying both loans Your income, credit, and debt-to-income ratio must support both mortgages unless the original property will be rented and the income can be counted. 📑 5. Lender and HUD guidelines must approve the exception This isn’t automatic. Your lender has to document the situation and ensure it meets FHA policy. ⚖️ The takeaway: FHA rules are strict, but they do recognize real life changes—like when a family simply outgrows the space they started with. If your household has changed and you’re wondering what options exist, it’s worth exploring the guidelines before assuming you’re stuck. 📩 Send me a DM if you want me to learn more about how this works in practice. Disclosure: I am not a lender, a a great one will help you navigate through this - I have one on my team! #PinellasCountyRealEstate #FHALoan #FirstTimeBuyer #FloridaRealEstate #PalmHarborHomes ClearwaterRealEstate HomeBuyingEducation GrowingFamilyHomes