Luminary Homes
Realty Group
$0 Down Payment Columbus Loans
Easy To Qualify
Qualification Requirements
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620 Credit Score
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Consistent Income Over The Past 2 Years
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There may be location restrictions on where you'll be able to purchase to get the full no money down perk.
What do I need to do?
The first step is to see which loan best fits your current situation, a brief phone call with our Realtors will allow us to see which loan option works best for you. Afterwards we will connect you will the Columbus branch for that bank where they will start your application.
Why do I need a Realtor?
Working with a Realtor will take the guess work out of homebuying. We have experience with the homebuying process and how to best use the first time homebuyer loans to lower your out of pocket costs as much as possible.
Will my payment be higher than other loan types?
Each program has it's own set interest rate so it depends on the program you go with. Interest rates are very consistent with current market rates, we even have one program that is at 6.5% which is lower than the current national average of 6.8%
How much will it costs to buy a home?
There are a lot of factors that make up your actual costs to buy a home, such as the home's price, and the area. But with these loans we have been able to help first time homebuyers purchase a home with under $2000 out of pocket.
Are the homes I am able to buy old and ugly?
Not at all, in fact you can purchase brand new construction homes with no money down and get $5000 or more to pay for closing costs. The appearance of the house you buy will depend on your personal preference and our Realtors will work with you to help you find the best home for you.
What if my credit is not good?
We offer free credit coaching on Tuesdays via an open zoom. It is free and easy to get started, we'll go over your credit report and how to fix any issues that are lowering your score while educating you on how to increase your score to a higher amount. To get started click here.
My credit score is good, I have a good job so where do I start?
It's so easy, click the "call now" button below and be connected with one of our Realtors. We will explain the details about the program and learn about your goals and how soon you want to purchase and give you all the steps you need to get started. We will work with you from today, til the day you get the keys to your new home and beyond.
