Down payment assistance isn’t just for first-time buyers or low-income households. There are state and local programs, employer-sponsored benefits, and even forgivable loans that can significantly reduce your upfront costs. 💵🔄 Many of these programs have flexible eligibility requirements, and some assistance is designed to disappear entirely after you’ve owned your home for a few years. It’s worth exploring what’s available in your area. | Oceana Bansemer, Mortgage Consultant NMLS ID #1429554

Buying a home in 2026 and not sure where to start? 👀 The answer is right here 👇 Whether you’re a first-time homebuyer, relocating, or trying to figure out how much home you can afford, the right mortgage program makes all the difference. We offer multiple home loan options designed to fit your situation, not a one-size-fits-all approach, including low down payment loans, FHA loans, VA loans, USDA loans, conventional mortgages, and creative financing solutions for unique income situations. Our

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Property taxes are one of the most misunderstood parts of a mortgage. Two homes with the same price can have very different payments—simply based on where they’re located. • City vs. county • Metro vs. rural • School districts • Local tax rates Here’s the risk: If property taxes are guessed too low just to qualify a buyer, the payment can jump later by $25, $50, or even $100 per month. That can: ❌ Blow up a pre-approval ❌ Kill a deal late ❌ Catch buyers completely off guard Knowing where you wan