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Own A Home Sooner Than You Think

Down Payment Assistance Can Get You In With $0 at Closing

Dreaming of owning a home but worried about the upfront costs? You don’t have to wait — many buyers qualify for down payment assistance right now.

What This Means for You: This program offers significant advantages for buyers by providing little to no money upfront, along with assistance for both the down payment and closing costs. It also opens the door to more home options within your budget. For many, these benefits make homeownership possible right now—not just “someday.”

Real Buyer Result: A recent Elam client used assistance to close with:

• $11,450 covered upfront
• $0 out of pocket at closing
• Custom Social Media + Google Ads
• Down payment + closing costs fully handled

This program often covers up to 3.5% toward your down payment, depending on eligibility.

Unwrap Savings with 3-2-1 Buy Down!

A 3-2-1 buydown is a way for home buyers to reduce their interest rate for the first 3 years of their mortgage.

In exchange for an up-front fee, a lender will lower the interest rate on your mortgage by 3% in the 1ST year, 2% in the 2ND year, and 1% in the 3RD year—that’s where the 3-2-1 part comes from. Take a look at this example:

Who pays for a 3-2-1 Buydown?

The seller, buyer, or builder can pay for the buydown. Pro tip: Instead of asking for money toward closing costs, ask for money toward a buydown. In the example below, this client saved $18,600!

Refinance Benefits:

Plus, with our preferred lender, you can refinance within 5 years, pay no lender fees, and get a $1,000 credit to use!

Would you like to talk to one of our experts? Fill out the form below and let’s get started to see how much you could save.

How to Save for a Downpayment in 90 Days!

Embarking on the journey to homeownership is an exciting venture, and at Elam Real Estate, we understand the significance of a solid down payment. If you're eager to save for a down payment within a 90-day timeframe, our comprehensive action plan is designed to guide you through this financial milestone. With strategic steps and a commitment to your goal, you can turn your homeownership dreams into reality.

This free guide includes...

• 90 day plan to save for your down payment and leverage financial strategies
• Steps to establish a clear savings strategy
• Tips to optimize your spending and increase income

Get started reading and begin your path to saving for a down payment today!

The Cost Of Waiting

In real estate, it’s common for buyers to say things like, “We’re going to wait until spring to buy,” or, “We want to wait a few years so we can save more money for our purchase,” or, “We’ll wait a few months and see what the market does.” While waitng to buy can be the right move for some buyers, waitng also has the potental to cost you tens of thousands of dollars. If you’re thinking of waiting, consider this example before you decide.
Unfortunately, in the current real estate environment, waiting can actually cost you much more than you realize. Fill out the form below and let us help you determine in your specific situation if waiting will cost you.