Today there are more than 60 different types of home loans, some with extremely low down payments and low monthly payments.

Most real estate companies use only 3 or 4 traditional types of home loans - all with higher down payments.

MONEY SAVING TIP: To see for yourself, try calling any real estate company and ask how much money you will need to buy an $250,000 home. They-will probably tell you that unless you are a Veteran and can get a VA loan, you will need $17,000 - $20,000 to buy this type of home. This just isn't true.

Then why do they say that?

Because most real estate agents don't even know that these special government home loan programs exist!

Special low-down-payment home loans are difficult to understand. On top of that, it's hard to keep informed about all the different rules and loans offered by all the different home lenders.

Big real estate companies have a hard time keeping their agents up-to-date about the many low-down-payment home loans.

Some companies feel that all the regulations and paperwork involved with low-down payment home loans are too much "fuss and muss." Besides, they're selling enough homes without using these special loans, so why bother?

Another problem ' these special home loan programs come and go. Many are offered for only a very limited time. When the funds run out, they're gone. By the time many agents become aware of these great home loans it's too late!

MONEY SAVING TIP: There are many fine home loans to help you buy a home for little or no down payment. At any given time there may be 3 or 4 special home programs for which you qualify. These loans can save you thousands of dollars of interest and give you a down payment of ZERO, or close to it.

Many of these great home loans have income limits, but they're all different. For example, one of these loans has no income limit that allows you to qualify (with only limited income verification) for homes priced up to $950,000. This great news for the self employed.

MONEY SAVING TIP: There are many different types of special loans. These loans come and go, each with different rules and requirements. You may qualify for one or more of these loans.

The problem with these special home loans is that they come and go in a fairly short "window period." For example: a $600 down payment home loan program may become available in April and be out of funds by mid June. To obtain one of these loans, you have to know about them before the funds are gone -- and act fast!

MONEY SAVING TIP: The average real estate agent in a big company, busy with all phases of realty, often doesn't learn about these money saving home loans until it's too late!

At Hoffman Realty we make it our business to know about every special home loan program available.

Before a new home loan program begins, we learn everything that we can about the loan ' then we tell you.

MONEY SAVING TIP: At any given time there are usually two or three super low down payment programs available for home buyers. The loan program for which you may qualify depends on your employment, family size and income.

If you want to buy a home, the first thing we need to do is find the best loan program to fit your needs. We do this for you without cost and obligation.

Our jobs are:

1. To seek out and learn about every single low down payment government and private home loan program.
2. To keep you fully informed of the home loans for which you may qualify.
3. To help find the perfect home for you.
4. To negotiate the best price and terms on your behalf.

We have helped hundreds of home buyers own their own homes for very low (or zero) down payments. We can do it for you, too.

All of our services are free to you. We'll help you find a great home and a low or zero down payment home loan - free. We're paid by the seller when you buy a home.