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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

BOTTLES OF PERRIER

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.

New Listings

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For sale Open House
$549,900
794 ANDREW MALCOLM Drive, kincardine, Ontario

794 Andrew Malcolm Drive

Kincardine, Ontario

4 level side split home, in a family-friendly neighbourhood. Walking distance to 3 schools, shopping and the Davidson Centre. The home has 3 bedrooms, 2 bathrooms, lower level family room, basement gym or office and a large laundry room. The main level has a living room and an eat-in kitchen with access to a large rear deck. The rear yard is fully fenced. The master bedroom has wall-to-wall closets and built-in shelving and lots of storage. This home comes with 5 appliances and is perfect for a family or as an investment property. (id:22681)

3 Bedroom 2 Bathroom 1814

Century 21 In-Studio Realty Inc.

For sale
$524,900
1338 8TH Avenue W, owen sound, Ontario

1338 8th Avenue W

Owen Sound, Ontario

Welcome to 1338 8th Ave West. Step into this inviting three-bedroom bungalow boasting a fully finished basement. The main floor showcases a cozy galley kitchen, 3 bedrooms, a 4pc bath, and a bright dining area with patio doors leading to a covered patio, perfect for outdoor entertaining! Below, enjoy ample space with a large family room, an attached den, 3pc bathroom, laundry facilities, and a bonus room. Enjoy nature with views of a large ravine off the back of the property. There are two garden sheds that would provide lots of storage and room for a workshop. Convenient covered parking in the attached garage and ample parking in the double wide asphalt driveway. This property provides a rare opportunity to experience the tranquility of nature without sacrificing modern comforts. Close proximity to schools, parks, shopping and easy access to transportation routes. Don't miss out on the chance to call this delightful home your own! (id:22681)

3 Bedroom 2 Bathroom 928

Ron Hopper Real Estate Ltd Brokerage

For sale Open House
$264,900
29 3RD Avenue S, saugeen indian reserve #29, Ontario

29 3rd Avenue S

Saugeen Indian Reserve #29, Ontario

Great private location close to beach. Cute cottage in good condition. Open yard with fire pit but private from the neighbours. Short walking distance to Sauble's famous Sand Beach. Many upgrades, sand point 2022, Septic 2022, Roof and decks 2015, Pump house (8X10) with shower, bathroom and Washer & Dryer 2017. Bunk house (12x16) 2018. Lease- $4660. Service fee- $1200. (id:22681)

3 Bedroom 2 Bathroom 560

Wilfred Mcintee & Co Ltd Brokerage (Sb)

For sale Open House
$849,900
210 DENSTEDT Street W, listowel, Ontario

210 Denstedt Street W

Listowel, Ontario

As you enter the home, you're greeted by a beautiful ceramic tile foyer with a double closet. The main floor features an open-concept layout with gorgeous hardwood floors and a natural gas fireplace, creating a warm and inviting atmosphere. The living room also has a tray ceiling, which adds a touch of architectural detail that adds a whole lot of elegance. Now, let's talk about the kitchen. It's truly a chef's dream! With ample cabinet space, granite countertops, stainless steel appliances, and a spacious island that can accommodate 3 barstools, making this the perfect setting to entertain guests or enjoy a peaceful Sunday dinner with family. The dining area, which seamlessly flows from the kitchen, also has ceramic tile flooring, adding a stylish touch while being functional and durable. The primary bedroom is a tranquil retreat, boasting plenty of natural light and a double closet. The ensuite bathroom is like a spa, featuring a large soaker tub and a walk-in shower. It's the ultimate space to relax and unwind. Convenience is key with the main floor laundry, complete with additional cupboard space and a sink. Rounding out the main floor you will find a second bedroom and the primary 4-piece bathroom across the hall, which is perfect for guests. Heading downstairs, you'll find an oversized rec room that's perfect for entertaining. It even includes a quality pool table and a bar area with a sink and bar fridge. The basement also offers an additional bedroom, a den, and a 3-piece bathroom with a walk-in tile shower. The entire house is heated with a natural gas furnace and cooled with central air, ensuring comfort throughout the year. Outside, the property is a true oasis. The oversized deck is great for outdoor gatherings, and the covered outdoor natural fieldstone fireplace adds a cozy ambiance. You'll also find a shed with lights and hydro, providing extra storage space. And the pond surrounded by beautiful landscaping adds a touch of serenity to the backyard. (id:22681)

3 Bedroom 3 Bathroom 2855

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$730,000
150 PALMDALE Drive Unit# 54, scarborough, Ontario

150 Palmdale Drive Unit# 54

Scarborough, Ontario

Just move in and enjoy this lovely, well maintained townhouse in a highly sought after and convenient area. This home is perfect for 1st time home owners, downsizes or investors. This unit features a bright and inviting atmosphere with fresh paint through the home, a fully updated powder room, new carpeting throughout the upstairs, large sliding doors in the living room bringing in lots of natural light that lead to a beautifully flowering backyard attached to common area green space. The 3 bedrooms upstairs have ample storage with floor to ceiling double door closets. The basement features one side having a warm living area accented with a large fireplace, great for entertaining, paired with a great storage area and laundry on the other side. This well managed complex comes with visitor parking, underground parking, exterior summer and winter maintenance, and home cable and internet, all at a reasonable fee. This unit is in a prime location! Within walking distance to a supermarket, restaurants, parks, schools, public transit and minutes to the 401 and 404. Don't miss out on this family friendly neighbourhood. (id:22681)

3 Bedroom 2 Bathroom 1400

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$579,000
217 INKERMAN Street, paisley, Ontario

217 Inkerman Street

Paisley, Ontario

** New photo's and floorplans!! Consider this lovely Victorian home on a half acre Municipal corner lot in the Village of Paisley. Circular driveway embraces the brick home along with its many enclosed porches and a newer deck. Included is a barn with carport, storage and loft, a large garage / storage building with bay doors and a man-cave shed created to enjoy the summer months. Shingle roof was done in approximately 2013 The current owner completely renovated the kitchen, built a pantry and separate butlers pantry summer-kitchen/laundry in recent years. House is simply too large for this one owner and it is time to move on. Other than one bedroom the rest of the second floor is now mostly used for storage, as are the outbuildings. Antiques abound which really suits the home. Seasonal water view from the second floor shows the Teeswater River in its natural beauty. Nearby is the trestle bridge and rail trail network. Two blocks away you'll find the post office and the south business end of the Village. So much to love here, this is a very special property. The Village of Paisley is enjoying much growth (id:22681)

4 Bedroom 2 Bathroom 3118

Coldwell Banker Peter Benninger Realty
RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale Open House
$2,550,700
1041 BRUCE ROAD 23, kincardine twp, Ontario

1041 Bruce Road 23

Kincardine Twp, Ontario

Welcome to paradise, a country home 3 kms from town with 98.5 acres of land and something to offer for all members of the family. Sixty acres of workable land for the farmer, 4.5 acres with a house, horse paddock and shop/industrial building. The shop is all structural steel, 40 ft x 60 ft x 21 ft high, main door is 16ft wide and 15 ft high, fully insulated, within the shop there is an underslung 3 ton overhead crane on rails, full length of the building, 16'-4 clearance to underside. Shop is heated with a 55 ft Radiant Tube heater (Propane). The shop office is insulated and heated separately if required. High bay overhead lighting. 100 amp service. Shop office 10'-7 x 7'-11. The house was built in approx. 2002, recently completely up dated, 5 bedrooms, approx. 1750 sq ft main floor, approx. 1300 sq ft finished basement, 200 amp service, 2x6 construction with added insulation, vinyl windows, steel entrance doors, all brick exterior, new roof installed in 2021, new heat pump/AC unit installed in 2022, hot water boiler. 10 ft x 16 ft x 14 ft high accessory building/bunkie with fully insulated floor and rodent proof wire, 14ft x 16ft deck, 12 ft x 16 ft kitchen shelter with power from generator, 4 ft x 8 ft portable wood storage shed, horseshoe pits, generator enclosure, fire pit. 34 acres of bush/recreation land. Approx. 3 acres of manicured lawn with an abundance of cedar, apple and hardwood trees. You can wander in the back 40 and enjoy nature, the bush, the creek or camp out. Truly a one of a kind property. (id:22681)

5 Bedroom 3 Bathroom 3100

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$165,000
42 THOMPSON Avenue, saugeen indian reserve #29, Ontario

42 Thompson Avenue

Saugeen Indian Reserve #29, Ontario

Nestled just 900 feet away from the pristine shores of Frenchman’s Bay, known for its coveted white sands and secluded ambiance, this property offers an unparalleled retreat for beach enthusiasts. Boasting a charming 775 square foot cottage with 3 bedrooms and 1 bath, it presents an ideal family getaway. The interior features a spacious living room and a separate dining area, perfect for hosting gatherings and creating lasting memories. With robust infrastructure including an approved septic system, sand point well, and a new 100 amp panel and line, along with recent upgrades such as laminate flooring throughout and roof shingles replaced in 2018, this cottage promises both comfort and convenience. Situated on a generous treed lot spanning 85 by 170 feet, privacy abounds, complemented by expansive decks at both the front and back of the cottage, ideal for soaking in the tranquility of the surroundings. Offered fully furnished, it presents a turnkey opportunity to relish summer moments by the beach. Experience the allure of lakeside living with an annual land lease of $4600 plus a $1,200 service fee, making this a remarkable investment in both leisure and lifestyle. (id:22681)

3 Bedroom 1 Bathroom 775

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$769,999
6 HAROLD BEST PARKWAY, flesherton, Ontario

6 Harold Best Parkway

Flesherton, Ontario

Nestled within the charming Village of Flesherton, this waterfront brick bungalow offers 2,400 sq. ft. of living space, featuring 2+1 bedrooms and 2.5 bathrooms. The location is perfect, close to downtown with charming shops, restaurants, and cafes all within walking distance. For those who appreciate outdoor activities, the property is ideally situated, offering easy access to fishing, hiking trails, ATV adventures, and ski slopes, all within minutes of your doorstep. From the inviting front porch and expansive bay window, you can enjoy a view of the peaceful Flesherton Community Pond. The backyard is a haven of peace and quiet, featuring mature trees, a large back deck and a shed offering additional storage. The primary suite is complete with its own ensuite and private access to the back deck. An additional bedroom and a versatile den provide space for family, guests, or your very own home office. Natural light floods the kitchen through a generous bay window, which overlooks your private backyard retreat. Step outside, and you'll be captivated by the beauty of nature, with direct access to the picturesque pond and a backyard that beckons you to unwind. This is your chance to own a piece of paradise, all while enjoying proximity to the amenities you desire. Arrange a private viewing today to discover the charm and functionality of this brick bungalow firsthand! (id:22681)

3 Bedroom 2 Bathroom 2324

Century 21 In-Studio Realty Inc.

For sale
$699,000
26 CONCESSION 6 EAST, brockton, Ontario

26 Concession 6 East

Brockton, Ontario

Stunning property situated on approximately one acre. Just a few minutes north of Walkerton, with access to the serene Pearl Lake. Enjoy country views, large gardens, a dedicated pad for your fifth wheel, and a versatile shop/chicken coop. This well cared-for home features a finished basement offering ample space for comfortable living, as well as a jacuzzi bath tub on the main level. (id:22681)

3 Bedroom 2 Bathroom 2690

Exp Realty

For sale
$885,000
40 GARDINER Street, meaford, Ontario

40 Gardiner Street

Meaford, Ontario

Nestled in the charming town of Meaford, Ontario, this spacious raised bungalow offers a serene retreat amidst Ontario's picturesque countryside. Boasting an idyllic location, this home provides the perfect blend of tranquility and convenience. Step inside to discover a custom made kitchen built by a Collingwood craftsman and featuring solid wood cabinets, modern appliances, and ample storage space. The open-concept layout seamlessly connects the living, dining, and kitchen areas. Adorned with hardwood floors, oversize baseboards and elegant crown moulding throughout, this is a bright and inviting space for gatherings. With three large bedrooms, a home office, and two and a half baths, comfort and convenience are ensured. The Primary bedroom is truly it's own oasis with a beautifully remodeled ensuite bath and access to the newly built three tier deck. Descend into the fully finished basement, flooded with natural light, and discover a full kitchen, perfect for hosting guests or accommodating extended family, with a separate entrance from the garage for added privacy. Outside, the stunning deck overlooks and leads you to the tranquil, park-like lawn and gardens. A detached 12 x 15 ft shed with hydro and an easement at the back of the property and right of way from Grey Rd 12 are added features. With easy access to Meaford's delightful shops and restaurants, library and arts centre, beaches, parks and trails, this home offers endless opportunities for both relaxation and adventure. Don't miss your chance to make this enchanting retreat your own. Schedule your private viewing today and start living the lifestyle of which you've always dreamed. (id:22681)

3 Bedroom 3 Bathroom 2419

Exp Realty

For sale
$660,000
206 JANE Street, walkerton, Ontario

206 Jane Street

Walkerton, Ontario

This spacious 4-bedroom, 3-bath home could be your last stop! The custom kitchen has oak cabinets with cherry stain, granite countertops, a spacious pantry & ornate-style ceiling. The great room offers views of the garden & fenced yard from 5 sets of patio doors. The cathedral ceilings, oak hardwood floors with cherry stain enhance this room! The 3-pc bath features a classy oversized claw foot tub; the envy of every lady! Open concept living room/formal dining is great for family gatherings. The main floor could easily convert to one level living with lots of room for visiting family upstairs. On the second floor there are 4 bedrooms with a 2 pc ensuite in the primary bedroom, and a surprising amount of closet space. There is a 3-piece bath with custom cabinetry. The double garage with an attached utility shed has front & rear doors to access the yard, plenty of storage. The bonus loft (400 sq ft) above the garage has a gas stove, excellent for a small rental unit, yoga studio or artist studio. The beautiful landscaping, entertainment-sized deck & huge driveway (fits 8 vehicles) are fabulous exterior features. This isn't just an ordinary home; it must be viewed for a full appreciation of all its amazing opportunities. (id:22681)

4 Bedroom 3 Bathroom 1967.2900

Exp Realty

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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

You Could Be Saving Money!

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%.