What If I Don’t Have Much Money For a Down Payment?

You may be a good candidate for one of several homebuyer assistance programs or for some loans that require less or no money down.

There are still some 100% financing options for property located in certain areas so it is possible to buy a home with no down payment. Additionally, FHA loans have lower down payments, low closing costs and easier credit qualifying. We can help you find properties which qualify for those and to find local lenders who can help you get those kinds of financing options.

There is also help available for those who need down payment assistance. In most cases, you’ll have to meet certain income requirements but there are some local home buying programs available in Auburn and Opelika. Contact Cathy or Jack on the Ramey Team to learn more about these options.


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