0% down payment for eligible veterans and service members. Phase 3: The Search and Offer

Securing professional help and financing approval simplifies the search process.

Requires higher credit; PMI (Private Mortgage Insurance) is required if the down payment is under 20%.

Lower credit requirements and down payments as low as 3.5%.

Gather at least two years of tax returns, W-2s, and recent bank statements , plus one month of pay stubs for income verification. Phase 2: Mortgage and Team Assembly

You will need cash for both a down payment (typically 3% to 20% ) and closing costs, which usually range from 2% to 5% of the home's purchase price.