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SHANNON DECKERS

Not Just Another Realtor®

Welcome. It is my sincere hope that you come to see the potential that Grey Bruce has to offer you.

As a skilled full-time realtor, I am dedicated to guiding you through purchasing and selling real estate in Canada’s playground. Let’s walk through it together and find the place for you to call home.

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

Has the local knowledge needed for buying and selling in Grey & Bruce Counties

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

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SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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For sale Open House
$649,900
222 6TH Street W, owen sound, Ontario

222 6th Street W

Owen Sound, Ontario

Situated across from the winding banks of the Sydenham River as it flows over the Mill Dam, this gorgeous 4-bedroom, 2-bathroom brick home has been completely updated, inside and out. Stylishly redesigned and professionally finished, this is where the timeless elegance of Georgian colonial architecture meets modern comforts. With extra touches like new windows and doors, new kitchen, new bathrooms, and new hardwood flooring throughout, this impressive contemporary residence is the perfect home for any family. Upon arrival, you'll be greeted by a circular drive, providing a grand entrance to your new sanctuary. The light, bright, and airy layout is immaculately presented, complete with seasonal views over the Sydenham River. The modern kitchen offers sophisticated quartz countertops, tile backsplash, breakfast bar, and stainless steel appliances. A contemporary living room, 2-piece powder room, and dining area, featuring double doors opening up to an expansive deck, complete the flow of the main floor. Step upstairs to the luxurious principal bedroom overlooking manicured lawns and apple trees. Indulge in the 4-piece bath with spa-like amenities including a fully automated rainfall shower panel with body jets. Three additional bedrooms provide ample family and guest accommodation. Entertain with ease in the expansive lower level, featuring a cozy gas fireplace and a stylish bar area, ideal for hosting family movie nights. Outside, a sprawling back deck bathed in sunlight awaits as the perfect setting for summer BBQs. Here, the fabulous location puts you in the heart of Owen Sound's scenic beauty and vibrant community. Perfectly situated with cafes, restaurants, schools, trails, parks, and Ontario’s first fish ladder all within a quick stroll. Elevate your lifestyle in one of the Scenic City's most coveted neighbourhoods. (id:22681)

4 Bedroom 2 Bathroom 1800

Keller Williams Realty Centres

For sale
$859,900
141 BROWN'S LANE Lane, shallow lake, Ontario

141 Brown's Lane Lane

Shallow Lake, Ontario

Waterfront Viceroy home nestled amongst the natural beauty on beautiful Francis Lake. Step inside to the soaring B.C. cedar ceilings, newer appliances and large sunken living room overlooking the lake! This 3 bedroom 2 bath home has walkout patio doors and private balconies from two of the bedrooms, wake up to the breathtaking sunrise views over pristine waters. Large 4 pc bath on the main floor. Head down to the spacious fully finished lower level with a family room and more beautiful views, laundry, walkout, electric in-floor heat and potential to add a kitchen in basement and convert to an in-law suite. The bunkie allows for additional storage or even a potential guest space. Francis lake is a hidden gem offering the perfect blend of tranquility and recreation. Enjoy boating, fishing, and water sports right from your doorstep and spend the summer creating cherished memories with family and friends! Unique opportunity-139 Brown's Lane the neighbouring property is also listed for sale MLS® Number: 40579897 (id:22681)

3 Bedroom 1 Bathroom 1311

Royal LePage Rcr Realty Brokerage (Os)

For sale
$899,900
139 BROWN'S LANE Lane, shallow lake, Ontario

139 Brown's Lane Lane

Shallow Lake, Ontario

Welcome to 139 Brown's Lane, a waterfront Viceroy home. Nestled amid the trees and natural beauty of Francis Lake this is a hidden gem offering the perfect blend of tranquility and recreation. Step inside to the soaring B.C. cedar ceilings, and open concept layout. 2 bedrooms, 4 pc bath on the main-floor plus laundry/den. This classic Viceroy design has a wall of windows flooding the main floor with natural light and views of the lake. The finished lower level has two large bedrooms, 4 pc bath, walk out, and is roughed in for a kitchen allowing for an in-law suite or apartment. The 1.5 car garage offers ample storage space. Enjoy boating, fishing, and water sports right from your doorstep and spend the summer creating cherished memories with family and friends! Unique opportunity-141 Brown's Lane the neighbouring property is also listed for sale MLS® Number: 40579897. (id:22681)

4 Bedroom 2 Bathroom 1120

Royal LePage Rcr Realty Brokerage (Os)

For sale
$399,900
490 ROSE Street, lucknow, Ontario

490 Rose Street

Lucknow, Ontario

Looking for a bungalow at a reasonable price? Well look no further than 490 Rose Street, Lucknow. This listing offers a great location near the Millpond and the Lucknow Tennis courts, perfect for some outdoor fun! This bungalow is boasting a generous 1,206 sq.ft of finished living space, giving you plenty of room to spread out. And hey, there's even a 2-car garage, so no worries about parking! As you enter, you'll be greeted by a welcoming foyer with a handy closet. The dining room is spacious and features beautiful hardwood floors, perfect for hosting family and friends. And get this, the living room comes with a cozy propane fireplace, ideal for those chilly evenings. Now, let's talk about the kitchen. It's been updated and includes a convenient walk-in pantry. So, no more storage woes! The two bedrooms are both a good size, complete with closets and those lovely hardwood floors. And don't forget about the updated 3-piece bathroom with a large vanity, adding a touch of modernity. But wait, there's more! This place also offers a fantastic 3-season sunroom, providing you with extra space for entertaining or simply enjoying the views of the fully fenced backyard. How awesome is that? Oh, and let's not forget about the basement. It's got plenty of storage options for all your belongings, and there's even a den where you can set up a cozy little retreat. All in all, 490 Rose Street, Lucknow is a real estate gem that checks off all the right boxes. With its great location, ample living space, and charming features, it's definitely worth checking out! (id:22681)

2 Bedroom 1 Bathroom 1206

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$449,900
405 7TH Avenue E, owen sound, Ontario

405 7th Avenue E

Owen Sound, Ontario

This charming 2-bedroom, 2-bathroom abode offers the perfect blend of comfort and convenience. The interior is warm and inviting, with a well sized primary bedroom, and the second bedroom is equally comfortable and versatile, perfect for guests or as a home office. There is a walk-in shower in the main bathroom. There is also a large mudroom for storage, with a large laundry area. Everything you need is on one floor! But don't forget, there is a lot more space in the finished basement, with a kitchenette, and a second bathroom. Situated on a large lot, ideal for relaxation or gardening, if you desire, or space for the kids and pets to roam. Plus, with a natural gas heated garage and a large shed included, you'll have plenty of space for parking, additional storage, or a work shop. Conveniently located in a desirable neighborhood, this home is just minutes away from shopping, dining, parks, the hospital and more. Don't miss your chance to make this delightful property your own. (id:22681)

2 Bedroom 2 Bathroom 1781

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$699,900
7 PENETANGORE Row S, kincardine, Ontario

7 Penetangore Row S

Kincardine, Ontario

This family home is located on a popular street in the town of Kincardine, just a short walk to Lake Huron. This gem of a home has been well cared for & has had many upgrades in recent years and is set on a 80' x 118' town lot. The home offers over 2000sf of finished living space including 3+1 bedrooms & 2.5 bathrooms providing ample space for a growing family. Inside the front door is a spacious front foyer, and a hallway leading to the main floor laundry. Head upstairs to the bright & airy main living room charmed by its big windows & pocket doors which lead into the large dining area. The bright and spacious eat-in kitchen is one of the homes highlights, offering the perfect space for cooking with ample counter & cabinet space. Walk out to the newly renovated sprawling deck which offers a convenient outdoor setting for a BBQ, reading a book or watching the kids play. The upper level offers 3 bedrooms including a primary bedroom with cheater access to the tastefully updated main bathroom. The lower level offers a cozy rec room which boasts a natural gas fireplace, perfect for those chilly nights. The lower level also offers additional finished living space including a large room which could be a bedroom or future in-law/income suite, plus a 3-pc bathroom & utility room. Outdoor enthusiasts will appreciate the proximity to the sandy beach, just one block away. Or just stay at home & head out to the fully fenced backyard surrounded by mature trees which offers an ideal space for children & pets, or for those with a green thumb. The 2 decks provide the perfect space for outdoor entertaining or relaxation. For those who value convenience, this property comes with an attached 1-car garage providing a spot to park the car, good storage or for a future workshop as well as a double wide concrete laneway. The home had a heat pump installed in 2022 making it efficient to heat & cool. Overall this home has a lot to offer & with its prime location you want to check it out. (id:22681)

4 Bedroom 3 Bathroom 2650

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$714,000
873 SUMPTON Street, port elgin, Ontario

873 Sumpton Street

Port Elgin, Ontario

Nestled in a highly sought-after tranquil neighborhood, this charming 3-bedroom, 2 1/2-bathroom bungalow embodies comfort and convenience. Boasting an array of desirable features, including an irrigation system with sandpoint, a natural gas furnace with AC and humidistat unit, and the added convenience of main-level laundry, this home is designed to enhance your everyday living experience. The spacious garage, oversized at 18'2 x 19'8, offers ample storage space and parking convenience. Meanwhile, the main level showcases elegant tile and hardwood flooring, adding a touch of sophistication to the living spaces. With its exceptional amenities and prime location, this property is sure to attract keen interest. Don't miss out on the opportunity to make this your dream home. Schedule your appointment today before it's gone! 2023 Utility Costs: Westario Power/Hydro $1207.56, Enbridge/Gas $1108.50, Reliance $472.96, Water/Sewer $1076.66. (id:22681)

3 Bedroom 3 Bathroom 2058

Sutton-Huron Shores Realty Inc. Brokerage

For sale
$499,900
310 7TH Avenue, hanover, Ontario

310 7th Avenue

Hanover, Ontario

Very Well maintained bungalow close to downtown amenities, hospital and the P & H Center. Consisting of 2 bedrooms on the main floor, bright kitchen with ample cupboards, living room with gas fireplace & full bath. The downstairs has a 3rd bedroom, 2 pc bath and large rec room with gas fireplace. Some of the updates include furnace (2009), roof (2008), electrical panel (2020), air conditioner (2020). There is a 14'6 x 22'6 attached garage, 18' x 12' workshop with 240V & large rear yard. A great starter or retirement home! (id:22681)

3 Bedroom 2 Bathroom 1815

Louis Whaling Real Estate Inc. Brokerage

For sale
$679,900
7 MOWAT Island, carling, Ontario

7 Mowat Island

Carling, Ontario

This beautiful 13.77 acre lot is awaiting your building plans or simply pull your yacht up to the existing dock and enjoy the tranquility of the 30,000 islands. This stunning oasis is perfectly positioned on the leeward side of Mowat island and directly across from the famous hole in the wall in historic Huckleberry Island. The 1237' of water frontage and the massive private dock are nicely protected from the prevailing west winds. 140' feet of dockage has plenty of room for your boat, boating friends and all your water toys. Located minutes from the Parry Sound town dock by boat provides the perfect ratio of privacy and accessibility. 200 amp hydro transformer is already installed. Enjoy this haven in the heart of Georgian Bay this summer! By appointment and boat access only. (id:22681)

Royal LePage Rcr Realty Brokerage (Os)
Royal LePage Team Advantage Realty

For sale
$679,900
460 JOHNSTON Avenue, saugeen shores, Ontario

460 Johnston Avenue

Saugeen Shores, Ontario

3 Bedroom side split bungalow with many upgrades. The main level is open concept with Kitchen, Dining Room and Living Room. There is also a sunroom/den with access to the large rear yard. The upper level has 3 bedrooms and a 4 piece bath. The lower level consists of a large Rec room and a 2 piece washroom, a closet laundry area as well as a large crawl space that houses the natural gas furnace. This home is centrally located very close to the downtown as well as the Port Elgin Beach famous for it's breathtaking sunsets. Upgrades include Steel Roof in 2017, both bathrooms in 2018, Flooring on main level and bedrooms in 2023, water heater in 2023. There is also a Natural Gas generator so you won't be in the dark in the case of a power outage. (id:22681)

3 Bedroom 2 Bathroom 2049

Coldwell Banker Peter Benninger Realty

For sale
$835,000
318465 GREY ROAD 1, georgian bluffs, Ontario

318465 Grey Road 1

Georgian Bluffs, Ontario

Welcome to 318465 Grey Road 1, a spectacular WATERFRONT property on GEORGIAN BAY! Located just outside Owen Sound close to Legacy Golf Club and just minutes from Cobble Beach Golf Resort. This charming stone bungalow features 2 bedrooms and 1.5 bathrooms with a walk out to the water. Deeded access to the shoreline. The main floor has 2 bedrooms, one with a patio door to the deck. Bright eat-in-kitchen and living room with a water view. The lower level walk out and has a great space for another family room. Lots of upgrades in 2022 including a Natural gas furnace, Gutter guards, roof re-shingled, patio doors, and some windows. The attic space is accessed through the garage. Lots of storage and potential for a playroom or tv area. (id:22681)

2 Bedroom 2 Bathroom 1850

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$599,000
789 LUSTIG Lane, port elgin, Ontario

789 Lustig Lane

Port Elgin, Ontario

Welcome to your idyllic retreat by the shores of Port Elgin! This charming three-bedroom, four-season cottage presents a great opportunity for an investment property or a family cottage. Situated mere moments from Port Elgin's main beach and marina, this property offers a coveted location for both relaxation and profit if that appeals to you. Including most furniture, this turn key cottage makes this an ideal and easy investment. Meticulously maintained and thoughtfully updated, this cottage boasts a series of enhancements, including windows, doors, and a 5-year-old roof. Step onto the front deck, perfect for soaking in the sun or savouring the peaceful surroundings. Inside, there's plenty of warmth with a natural gas furnace located in the crawl space, central air conditioning, and a gas fireplace for those cozy evenings. The bathroom has also been recently updated, featuring a tiled shower/tub combination. Currently leased for the summer season of 2024, prospective buyers have the flexibility to assume ownership early and capitalize on the full rental period or wait until after Labor Day to enjoy the late summer and fall ambiance. Don't miss this prime opportunity to enter the Saugeen Shores market and claim your slice of paradise. Whether seeking a personal getaway or a savvy investment, this cottage offers the perfect blend of lifestyle and financial potential. Seize the moment and make your cottage dreams a reality! LOCATION LOCATION LOCATION. (id:22681)

3 Bedroom 1 Bathroom 1100

RE/MAX Land Exchange Ltd Brokerage (Pe)

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

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Canada’s Playground

Owen Sound, Ontario

Where Is Owen Sound?

Owen Sound, Ontario lies approximately two hours northwest of Toronto and is a central hub for all destinations in Grey and Bruce counties. Located approximately 30 minutes from Blue Mountain, one of Ontario’s most popular skiing and snowboarding destinations. Owen Sound and the surrounding area is warmly called home by over 30,000 people living at the base of Georgian Bay, where the Sydenham River and Potawatomi River converge. In the summer months you will find Owen Sound to be a thriving city in close proximity to Sauble Beach, a very popular destination for both local traffic and tourists alike, as well as many smaller towns with lots of activities and venues for recreation and relaxation. Owen Sound serves as a meeting point of four of Ontario’s provincial highways: Highway 6&10 from the south, Highway 26 from the east, and Highway 21 from the west.

Being established in 1851, Owen Sound includes many different types and styles of homes for sale. A prospective buyer will find century homes with original hardwood flooring and crown mouldings, intimate war-time houses suitable for retirement living or small families, split level bungalows, updated retro houses and a more modern flare of newly built houses in suburbs throughout the town.

Nature, Outdoors, and Activity
Owen Sound is located right on the Niagara Escarpment and is a matter of minutes from the Bruce Peninsula which boasts tall cliffs, incredible rock formations, great beaches and is home to the beautiful Bruce Peninsula National Park. The Park is famous for its many attractions, including ‘The Grotto’ with it’s crystal clear waters, ‘Fathom Five National Marine Park’, ‘Indian Head Cove’, as well as Cyprus Lake. The famed Bruce Trail that runs from Niagara to Tobermory also winds its way through the forests, woodlands, and rivers surrounding Owen Sound as it makes its way toward Wiarton and the Bruce Peninsula. Among these rivers are numerous local waterfalls that offer picturesque landscapes for events, recreation, and peacefulness. Owen Sound’s natural beauty will leave you breathless in its splendor.

Buying real estate in Owen Sound means you can spend your days doing things most people only dream of. In Owen Sound you can experience snowboarding and skiing, snowshoeing and hiking the Bruce Trail in the winter, the kilometers-long sand beach and waters of Sauble Beach and Port Eglin in the summer. You can live in some of Ontario’s most beautiful scenery if you invest in Owen Sound real estate. Owen Sound itself boasts a beautiful harbour, with many walking paths, trails, and parks to enjoy the extensive waterfront.

If you desire to escape the fast-paced city life with your own piece of land on which to build the home of your dreams, I can help you to find the perfect vacant lot or land for sale in Owen Sound. With both budget and luxury home builders in the area, incredible landscaping professionals and top-notch tradespeople, no size or complexity of home build is too great or small.

There are many homes for sale in Owen Sound and Grey Bruce areas, and with my extensive knowledge of the local area and my commitment to learning you and your likes and dislikes, I am confident that I will be able to find not just house that you like, but a place that you can call home.

Education
If you’re thinking of buying a home for sale in Owen Sound, ON and you’re wondering about the education available in Owen Sound, you won’t be disappointed. Owen Sound has three excellent secondary schools: Owen Sound District Secondary School (OSDSS) as well as Saint Mary’s High School (SMHS) and École St-Dominique Savio for those looking for a more private education. Owen Sound’s devotion to education begins in the earliest of years with many preschool and daycare centres available for young parents to choose from, including the Julie MacArthur Regional Recreational Center (YMCA). Parents of older children will be pleased to know of the many options for elementary age children, such as public schools (East Ridge Community School, Hillcrest Elementary School, Alexandra Community School, Keppel-Sarawak Community School) along with private schools (Timothy Christian School, Riverforest Montessori School). For those looking for post-secondary education, Owen Sound boasts a Georgian College campus with a wide assortment of courses available.
Local Amenities and Attractions
If you’re thinking of buying a home or vacant land in Owen Sound, you might be wondering about the amenities and services available in the area. While we can’t list everything, here’s a short list to give you an idea: Multiple elementary schools, two excellent high schools, a Georgian College campus with residencies close by, a developing shopping centre, unique and artisan shops, and lots of community parks with natural and man-made playgrounds. Owen Sound also boasts the largest and best-equipped hospital and medical staff in the area. Many fast-food restaurants are available for those on the go, but there are also numerous sit-down, fine dining options for those with a more refined taste. Owen Sound is home to multiple golf courses, some of which are well-renowned for the quality of their courses, as well as many museums that focus on our rich cultural background and significant history. With lots of programs for youth and adults alike, Owen Sound has something for everyone.

Owen Sound is also home to the Owen Sound and District Farmer’s Market; a local market that is open every Saturday morning throughout the year. The Market hosts a wide variety of local artisans and growers, and has been in the same location since 1868. Many other markets exist within a short drive from Owen Sound, in places such as Keady, Port Elgin, Southampton, Wiarton, Meaford, Thornbury and more!

If you are considering buying real estate for sale in Owen Sound, and you love to fish, then this is the place for you. Owen Sound’s annual Salmon Spectacular is famous and draws participation from all over Canada and the United States each year. Additionally, some of the largest rainbow trout in the world have been caught in Owen Sound.

RRSP HOME BUYER'S PLAN

This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
You can also use it to buy or build a new home for yourself or someone you know with a disability.

Home buyer's tax credit

The First Time Home Buyer Tax Credit is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.

First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. You could net up to $750! However, you cannot have lived in another home you or your partner owned in the previous 4 years.

If you have a disability (I.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

Genworth Canada Energy-Efficient Housing Program
Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.
Land Transfer Tax Refunds for First-Time Home Buyers

Under this program, if you’ve never owned a home anywhere before – ever – you could quality to receive a refund of the land transfer tax for the first $368,000 of the value of the home. The maximum amount of the refund is $4,000.

The biggest hurdle in qualifying for the maximum amount of this program is that all purchasers of the home must be first-time homebuyers. If one or more of the purchasers has owned a home anywhere in the world previously, the amount will be reduced.

GST/HST Tax Credit

The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid – up to $1,500 – for new or substantially renovated house that is your primary place of residence provided that you meet all the eligibility requirements.

CMHC Green Home

If you buy, build or renovate for energy efficiency using CMHC-insured financing, you could receive a 15% rebate for building a home to ENERGY STAR standards or up to 25% for building a home to R-2000 building standards.

Northern Locations Energy Credit

Those living in a qualifying location can take advantage of the Northern Ontario Energy Credit. This tax credit allows single people to receive a credit on their taxes of up to $151 and allows families (including single parents) to receive up to $232.

The purpose of this program is to help Northern Ontario residents with the higher energy costs they face living in the north.

Ontario Every And Property Credit

Non-seniors can receive up to $1,043 while seniors can receive up to $1,187. Even students can receive a credit of $25 if any of their costs were related to energy costs, and if you live on a reserve or in a public long-term care home, you can receive up to $232.

Options For Homes
If you are looking to purchase a new condominium, this is a non-profit group that offers different ways of paying for a condominium, including loans and discounts, and offers down payment support.
They also offer a Condo 101 class that explains what someone should look for then they purchase a new condominium.
Habitat For Humanity

You can be a homeowner! Get of the rent rut with Habitat for Humanity. This group helps low-income families build and buy simple, decent quality, affordable homes through a no-interest mortgage with payments set at less than 30% of gross income. Instead of a down payment, families contribute their sweat equity

Municipal Land Transfer Tax Rebate Program

If you are a Canadian citizen or a permanent resident living in Toronto and you’re ready to buy your first home, don’t forget to register for the land transfer tax rebate. In conjunction with the provincial tax credit, you can get up to $4,475.00 back from the land transfer tax you pay when you buy your home.

Both new and existing homes qualify, but neither you and/nor your spouse can ever have owned a home before at any time anywhere in the world. Don’t delay, because to receive the entire rebate, your application has to be reviewed by the City of Toronto before the 10-day deadline is up!

Daniels FirstHome Boost Program

Daniels FirstHome has an innovative payment plan that is much more flexible and achievable in the midst of today’s fluctuating new mortgage rules. With locations throughout the Toronto area, this builder offers condos and townhomes in attractive neighbourhoods aimed at first-time home buyers.

The program offers an interest-free, 20-year forgivable loan for 10% of the down payment that, when added to the 5% that you need to put down, “boosts” your down payment to 15%. On top of that, you could also qualify for an additional $25,000 in financing. You don’t even have to have the whole 5% up front. All you need to get started is $3,500 when you sign the Agreement to Purchase and Sale, and then you can pay $1,000 a month after that until you reach the required 5%.