“In less than a month, you’ve helped us find grants and funding we didn’t even know were available. Thanks to you we're on our way to closing on our first home with an affordable mortgage. Best of all we were able to keep our down payment & closing cost savings in the bank for emergencies.” –- Jocelyn & Peter Samuel

What most people don’t know it!

But there are literally billions of dollars in funds for first time homebuyers waiting to be claimed from non profit organizations, government agencies, local foundations, etc.

Times have changed since your parents bought their home. You no longer need to fork over your life savings in order to buy a house.

There are hundreds of little known programs in the U.S. that give out free grants, direct payments, discount rate loans and other special financing arrangements to home buyers.

Here’s my story…
Several years ago, my wife and I were living in a small one bedroom apartment in New York paying rent every month. Not just any rent, I’m talking $1,100 per month for a one bedroom apartment (crazy but true). We had been living there for about 3 years and the apartment seemed to get smaller and smaller each year. Our living room was becoming a storage closet. We were even embarrassed to entertain company in this disaster zone we called home. Trust me, that's no way to live. To make matters worse, we were expecting our first child. Don't get me wrong, our daughter was a great blessing, but the problem was we had no space in our small apartment. Plus, it was becoming increasingly frustrating shelling out $1,100 a month with nothing to show for it but an overcrowded apartment and some rent receipts. We knew that paying $1,100 in rent is equivalent to paying $396,000 over 30 years.

We desperately wanted to buy a house...
However, at the time we thought we were at least 4 years away from accomplishing our goal. Although we both had decent jobs, we figured that we would need at least $50,000 up front for the down payment and closing costs. This was especially true considering that in the town where we wanted live, it was hard to find a decent house for less than $300,000 and the closing costs averaged 4%. If we were to go with a traditional mortgage loan, we would have had to put down $30k to $40k on the house with closing costs of about $15k.
Needless to say, it was going to take a long time for a young couple just starting out to save up this amount.
On top of that, the housing market was booming and prices were increasing by 10% each year. By the time we saved up enough cash, we would be buying the same house for about $140,000 more. There had to be a better way… Motivated by our own frustration, we stumbled upon a life changing opportunity which enabled us to achieve our dream of homeownership that same year.

We were able to buy our first home with:

• No money down (100% loan to value)

• No closing costs

• No Private Mortgage Insurance (PMI)

• No points or application fees

• No creative financing tricks, interest only loans, or seller funding

• An interest rate 1% below the market rate

It may sound too good to be true, but the fact is we got the keys to our beautiful new home after spending only $485 out of our pocket.

More importantly, I’m going to show you exactly how we did it so that you can also achieve the dream of home ownership while keeping your money in the bank...

No matter your age or income level, I’ll show you step by step how to:

• Buy your first home with less than $500 out of pocket. Don’t spend all of your savings. Cash is king – avoid foreclosure by keeping your money in the bank for emergencies such as temporary job loss.

• Get up to $50,000 in free grant money for your down payment and closing costs. There are thousands of assistance programs for homebuyers. I’ve done months of research so you don’t have to.

• Get up to $25,000 in grant money to rehab or remodel your home. You don’t have to take out a second mortgage, I’ll show you where to get a grant to pay for your project.

• Get the best mortgage deal in the country. Did you know a 1% interest rate reduction will save you $64,156 on a $300,000 conventional 30 year mortgage? Special discount rates are available no matter what your credit score.

• Avoid predatory lending abuses and refinance your mortgage loan at lower rates no matter what your credit score is. If you are paying anything close to 10% interest on your mortgage in the US, you are getting ripped off and need to refinance immediately.

• Get free credit counseling and financial advice. A dollar saved is a dollar earned. Learn how professionals manage their money and improve their credit.

• Fully understand how much “house” you can afford. Overextending yourself with a high mortgage payment is a major cause of foreclosure. Don’t start searching for a house without learning this simple formula.

• Effectively negotiate the price you pay for your house. Learn a negotiation technique that the pros use. This strategy can save you thousands of dollars in just one conversation.

• Avoid getting ripped off by sellers, agents, and loan sharks. Learn from my experiences and become an educated homebuyer.

• Achieve the dream of home ownership and begin building equity sooner rather than later. Why wait years to buy a house when you can get it done this year.

• All this and much much more!

Free Money for First Time Home Buyers

Click to get it!

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