When talking about real estate - most people think that it is necessary to put down 20% or more when wanting to buy a home.

Buying a home for less money down that 20%

However, that could not be farther from the truth. In fact, you can buy a home for as little as 3% down payment - with a conventional loan. If your credit is not "wonderfully perfect", you can use an FHA loan where you will be able to buy a home at a 3.5% downpayment.

There are other loans that are less than 20% also. Some banks and direct lenders are running specials that give a buyer the advantage of 5, 10 and 15% down loans.

When was the last time you put yourself in someone else's shoes?

Here is what I would do If I were to be looking to buy a home today. First things first, make sure you find a local real estate expert in your neck of the woods. Ask them if they know any lenders and those that are the best at lending.

If you want to know if the Paris911 Team, that's us, can find you a local real estate lender that is the best - We have a form for that. We have a place you can go to give us your information to have us send you the information about a local Santa Clarita Lender - that is the tops in our local market.

There are not as many "BESTS" as you may think

There are only going to be a few lenders, within geographical boundaries, that are exceptional at what they do. That is the type of lender you are going to want to work with. Make sure they give you lenders of that type and ask them straight up, why are they referring you to the lender they did.

Santa Clarita MacBox Real estate resources

If they say, it's because the lender is paying for a part of their advertising or giving them a "kick back" on the loans - run away and do it FAST...

Moving into the other related real estate news - We have been publishing our Daily Real Estate show - today is no different. It's a podcast of sorts. To tune in go to our Main Santa Clarita and Valencia real estate website at Paris911.com and type into the MacBoX the word "daily". You can also visit this link: Paris911.com/daily

Use Local Real Estate agents...

We talk about local agents as if we aren't. We are "Local Realtors for the Santa Clarita Valley Cities", and we think everyone should work with those that past the best in the way of "knowing local - Local Experience - and the other attributes that only the "local" real estate agent can provide for their buyers and sellers."

Please feel free to check out our latest Daily Show - it's at the top of this Santa Clairta article. You can click on the "play" button to listen to the show.

Be safe - Talk soon and let us know when you are ready for our help.