Personalized Programs to Reduce Home Cost
Whether you need to reduce costs to buy or are just looking for a deal, this form is the one for you. While first time home buyers of low income will have the most options, even millionaires purchasing their 20th home have options to reduce home costs. This form could save you anywhere between 1% & 50% of the sales price of a home, could give you rates as low as 0%, could provide you gap financing assistance as high as $80k (US outside of Hampton Roads that's the highest I've seen so far at least) or as high as $40k in Hampton Roads (Norfolk for that amount with lower amounts in other areas but still 10% throughout VA & 15% for certain large sections of Northern VA is available to those who qualify)

Even for those who are not in Hampton Roads, I am able to make this report possible by referring others to agents around the US. While there is no obligation to use an agent referral, those do make these manually researched reports possible for you and others like you.

Below I'm sharing each question & often why the question is important immediately below it. While only certain questions are required, the more questions you answer, the more accurate I can be. Since I typically won't respond with more than 3 possibilities, if you don't answer each question, I will sometimes be guessing at the answers to your unanswered questions.

The "Why" sections are primarily just to share with you why I'm asking something. You can skim or skip the "why" sections if desired. 
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15 Required Questions Below
Are you currently working with an agent? *
The reason I'm asking:
See the next question below. Also, if you are working with an agent already or already have one in mind (other than Adam Garrett), I would appreciate it if you used https://downpaymentresource.com/are-you-eligible/ instead of this form. That link isn't taking from a list that's nearly as good as my list, with a number of missing program options, & less accuracy due to fewer questions, but it does give you an immediate report & using it if you already have a Realtor would be quite considerate to me in terms of my limited time. Also, consider Naca.com 

As much as I'd like to provide a personalized report for everyone, and can still provide you a report even if you are already working with an agent, it's not as easy for me to be directly compensated for my time if I do not refer you to an agent that you purchase with. Keep in mind that my research for your agent is coming from an agent themself, and as such, I can ask questions to Realtors that you wouldn't think to ask to weed out the bad ones and provide you with someone ideal. See my referral page here: https://www.adambgarrett.com/referrals

Also if you won't be using me as your agent, but the seller is using me as their agent, I'm happy to help you so feel free to keep going through this form.
If working with an agent or if you have one in mind, do they lock you into working with one lender? *
Why?
If you are locked into working with one lender, many options that I can provide will be unavailable to you. If that's the case, it's best to stop the form now due to the volume of options you likely won't have available.
How long will you have you had a job in your current field of work when you purchase (& if you recently switched your payment structure from salaried, commission-based, or self-employed, when did you make the shift)? *
Anticipated purchase date range *
Why?
Some programs take much longer than others to acquire, and some have expiration dates and limited times where they are available during a given year
Anticipated sale date after purchase *
Why?
Some programs have occupancy requirements for a certain amount of time after purchase, and those that don't have occupancy requirements sometimes have requirements on how long you need to keep the loan
What liquid (i.e. $ in the bank) or retirement reserves do you anticipate having after purchase? *
Why?
Many programs require at least 1% in reserves between retirement funds and liquid accounts. Conversely, other programs restrict based on the number of assets you have.
Owned a Home in past 3 years at expected purchase time? *
Why?
Many programs are only eligible for those who haven't owned a home in the past 3 years.
city(ies) where you have lived for the past 3 years *
Why?
Some programs have residency requirements depending on what city you currently live in, lived in the past year, past 3 years, etc.
Will you own a home at time of purchase? *
Why?
Some programs are restricted by those who won't own a home at the time of purchase
Credit as shown on free version of experian.com & FICO (NOT creditkarma or any other place that uses the Vantage model) scores from other bureaus (Transunion and Equifax. Good free scores available at Langley Federal Credit Union, Penfed, Bank of America, & more) with source if available *
Why?
Many programs restrict based on credit & a few can get a preapproval with no score. With 1, credit score is not considered.
Time After Bankruptcy & type of bankruptcy (if applicable) *
Why?
Some programs have restrictions based on your time after bankruptcy
Annual Household income (of those in new household) *
Why?
The majority of programs have income caps, and some have income minimums, and they are most often dependent on household size
Household size at time of purchase *
Why?
As stated under income, "The majority of programs have income caps, and some have income minimums, and they are most often dependent on household size"
Cities considered for purchase *
Why?
Many programs are geographically-specific
Purchase Price Max *
Why?
Many programs have maximum purchase amounts possible
Would you like better results by answering additional optional questions?
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