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Hi Tiara, Thanks for the question. There are actually a couple different options when it comes to down payment assistance. You are right, there is a grant option, but there is also a silent second option. For instance, CHFA offers a Down Payment Assistance Grant and it would be assistance up to 3% of your purchase price and you wouldn't have to pay that back. They also offer a Second Mortgage Loan and that would be assistance up to 4% of your purchase price and repayment of the loan balance is deferred until certain events, such as payoff of your first mortgage, or the sale or refinance of the home. I actually made a another video where I explain down payment assistance in more detail: th-cam.com/video/GtMriFhju2k/w-d-xo.html I hope this helped! If you'd like to discuss this more, or see if we can help you get pre-qualified with one of these DPA loans, please reach out. We'd be happy to help! www.nickbarta.com

Yes, that is clear. Thank you for the information. I’m thinking the silent second would be an option. I will reach out for more!

Hi, Erika. Mortgage rates are determined by many factors, some of which are in the borrower's control and others that are not. Examples include the borrower's credit score, loan-to-value ratio, the overall economy, inflation, job growth, and a lot of other factors. Rates will also vary by lender, so the borrower should do their research. CHFA offers multiple programs to first-time buyers and non-first-time buyers all with flexible rates, so be sure to check out their list of participating lenders www.chfainfo.com/participatinglenders or reach out to us (We're a CHFA Participating Lender) for more information: www.sffmortgage.com/chfa-home-loans

Hi, Curtis. Please contact your current mortgage lender directly to discuss your approval and your eligibility for CHFA or metroDPA programs. Sorry, but we are unable to say one way or the other without knowing your overall situation. Below are the lists of CHFA's and metroDPA's Participating Lenders to see if your lender is listed or to find a lender you can discuss your options with directly: CHFA Participating Lenders: www.chfainfo.com/participatinglenders metroDPA Participating Lenders:www.ehousingplus.com/available-programs/colorado/metrodpa/ Thanks, and we wish you all the best.