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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

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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
$444,000
709 OLDE VICTORIA Street, kincardine, Ontario

709 Olde Victoria Street

Kincardine, Ontario

Excellent income potential with this legal DUPLEX which offers amazing curb appeal - Looking to add to your income property portfolio with this ideal investment opportunity? Look no further, this turn Key Duplex is located right in the Heart of Kincardine. This exceptional property offers multiple possibilities and could be used as a primary residence, first time home buyer with additional mortgage helper, multi-generational dwelling with in-law and/or granny suite to suite all your personal needs and living accommodations. Desirably located close to all Kincardine has to offer, Victoria Park, trails, downtown shopping, dinning, schools, community & Business centre and steps away from the beautiful Lake Huron Beach & Marina Harbour. Both units offer complete above grade living and are fully renovated, main floor Unit features 2 bedrooms, Kitchen, family room, laundry and 4pc Bathroom. Also included with main floor unit is a large shed/garage which offers excellent additional storage solution. The Upper level unit consists of 2 bedrooms, one equipped with in-suite washer and dryer, Kitchen, living room and 4pc Bathroom. Both units have their own personal driveway and electrical service with a total of 9 appliances included in. Both Units are self-contained and currently tenanted for guaranteed stress free income. Upgrades include new Roof 2022 and main floor unit was tastefully renovated over the last 5 years. A complete list of improvements and income/expense statement is available for all interested buyers. Don’t miss the video tour in multi-media link to fully grasp this beautiful property and exceptional area surroundings. Call today to schedule a private viewing of this great investment property! (id:22681)

4 Bedroom 2 Bathroom 1585

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$444,000
709 OLDE VICTORIA Street, kincardine, Ontario

709 Olde Victoria Street

Kincardine, Ontario

Excellent income potential with this legal DUPLEX which offers amazing curb appeal - Looking to add to your income property portfolio with this ideal investment opportunity? Look no further, this turn Key Duplex is located right in the Heart of Kincardine. This exceptional property offers multiple possibilities and could be used as a primary residence, first time home buyer with additional mortgage helper, multi-generational dwelling with in-law and/or granny suite to suite all your personal needs and living accommodations. Desirably located close to all Kincardine has to offer, Victoria Park, trails, downtown shopping, dinning, schools, community & Business centre and steps away from the beautiful Lake Huron Beach & Marina Harbour. Both units offer complete above grade living and are fully renovated, main floor Unit features 2 bedrooms, Kitchen, family room, laundry and 4pc Bathroom. Also included with main floor unit is a large shed/garage which offers excellent additional storage solution. The Upper level unit consists of 2 bedrooms, one equipped with in-suite washer and dryer, Kitchen, living room and 4pc Bathroom. Both units have their own personal driveway and electrical service with a total of 9 appliances included in. Both Units are self-contained and currently tenanted for guaranteed stress free income. Upgrades include new Roof 2022 and main floor unit was tastefully renovated over the last 5 years. A complete list of improvements and income/expense statement is available for all interested buyers. Don’t miss the video tour in multi-media link to fully grasp this beautiful property and exceptional area surroundings. Call today to schedule a private viewing of this great investment property! (id:22681)

4 Bedroom 2 Bathroom 1585

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$445,000
608 GOULD Street, wiarton, Ontario

608 Gould Street

Wiarton, Ontario

Large family home with a view! This century home is the perfect option to accommodate the whole family. Enter into the huge mudroom and kick off your boots and coat before stepping into the large kitchen with ample cupboard space for all your storage needs. From there, you're drawn to the big, but cozy living room complete with gas fireplace for those chilly evenings. On the main floor you'll also find a spacious dedicated dining room with another fireplace to add to the ambiance. The main floor laundry, and 3 piece bathroom make convenience a priority. Heading upstairs you will find 3 large bedrooms and the fantastic, huge primary bedroom. This level also boasts a 4x13 ft storage closet, so you'll never have to look at the clutter. To top it off, on the third level you will find a huge open loft space with so much potential. Use this finished space as another bedroom, home office, gym, reading room, kids playroom, raft room or so much more. Some of the recent updates include a brand new natural gas furnace (2023), new flooring throughout, 8 new windows, porch re-done, and fully fenced backyard (2023). This family home in the heart of Wiarton will not disappoint. Call to arrange your private showing! (id:22681)

4 Bedroom 2 Bathroom 2604

Keller Williams Realty Centres Brokerage (Wiarton)
Keller Williams Realty Centres

For sale
$1,100,000
880 16TH Street, hanover, Ontario

880 16th Street

Hanover, Ontario

This beautiful two year old custom built home is located in one of Hanover's newest subdivisions. Set among the mature pines this stunning property is truly a rare find. As you enter the the home the spacious entryway leads you to an open concept floor plan. All flooring in the home is high end vinyl plank flooring. The plan consists of three plus one bedrooms, two full baths, primary bedroom with walk in closet and full ensuite. The spacious kitchen boasts a 10ft centre island, farmhouse sink, quartz countertop , GE cafe appliances & The living room features a rustic stone fireplace. The stone feature wall leads downstairs to a light filled walkout basement with extra large windows facing out towards a wooded backyard assessable from the recreation room. A covered patio and patio area await your entertaining dreams! The recreation room, games/bonus room is a great space and perfect for family gatherings. The basement also includes a large fourth bedroom with walk in closet and adjacent four piece bathroom. A must see to appreciate the quality of craftsmanship in this one of a kind home. (id:22681)

4 Bedroom 3 Bathroom 3575

Louis Whaling Real Estate Inc. Brokerage

For sale
$1,749,967
115 SOUTH SHORES Road, grey highlands, Ontario

115 South Shores Road

Grey Highlands, Ontario

Welcome to Lake Eugenia! Turn-key, spotless and move-in ready, this Lake Eugenia bungalow provides approx 95 feet of water frontage featuring sandy beach & shoreline with large private dock. Built by Rogers Premium Custom Home Builders of Meaford in 2009, this well maintained home was situated to make the most of sightlines & features no less than 6 walkouts meaning you have amazing lakeside views from almost every room! Spacious & bright with lots of space for guests. A poured concrete patio & wrap-around deck are perfect for entertaining or just relaxing in front of the water & watching the sun set. Main floor primary bedroom features ensuite & private balcony. Finished lower level provides 3 more bedrooms, full bathroom & generous Family Room. 2 electric fireplaces add to the ambiance during chilly days. An ideal location on the lake with a child-friendly sloped shoreline leading to deep unobstructed water. Landscaped lot with flower beds and mature trees providing privacy. Detached single garage could hold your water toys and gear. Enjoy one of southern Ontario’s favourite 4-season locations, minutes from the Bruce Trail, golf, cycling routes, quaint villages and ski clubs. (id:22681)

4 Bedroom 3 Bathroom 2358.5000

Forest Hill Real Estate Inc. Brokerage

For sale
$679,000
130 JOHN Street, feversham, Ontario

130 John Street

Feversham, Ontario

Welcome to 130 John Street! This charming 3-bedroom, 1.5-bathroom bungalow in the small village of Feversham has the touch of true craftsmanship. With its desirable location and numerous features, this property offers a wonderful opportunity for comfortable living. As you step inside, you'll immediately notice the attention to detail that comes with the newly renovated interiors. The kitchen features beautiful quartz countertops with soft-close cabinets, providing ample space for meal preparation and easy access to the barbeque on the new deck in the backyard. This home also includes a newly finished basement with a beautiful built in entertainment wall, an attached garage, and a spacious backyard with a bonus storage shed. This property offers a peaceful and tight-knit community feel located between an arena and a baseball diamond with a park - while still being within 25 min of Collingwood and the Blue Mountains. Recent renovations include Decks 2020, kitchen/windows/floors 2021, A/C 2022, and Basement in 2023. Don't miss out on the opportunity to make this house your home and enjoy the peace of mind and comfortability of having all these new features. (id:22681)

3 Bedroom 2 Bathroom 1835

Century 21 In-Studio Realty Inc.

For sale
$664,900
127 SARAH Road, mount forest, Ontario

127 Sarah Road

Mount Forest, Ontario

Great Family home. This 1613 sq feet semi detached home is in a great neighbourhood, just 3 years new and built by Award Winning Builder W. Schwindt & Sons. This 3 + 1 3.5 bath home shows like new. Don't Miss out. (id:22681)

4 Bedroom 4 Bathroom 1664

Royal LePage Rcr Realty Brokerage (Mf)

For sale
$329,900
1498 W 2ND Avenue S, saugeen indian reserve #29, Ontario

1498 W 2nd Avenue S

Saugeen Indian Reserve #29, Ontario

WATERFRONT, 3 season cottage on sandy beach. This is a very quiet, private location at the south end of French Bay. The cottage is solidly built with many new updates such as: windows, building support beams, metal roofing, 34 x 16 foot deck. Cottage features 3 bedrooms, a 3pc bath, open concept living room/dining/kitchen; all with a view! Cottage comes furnished and has additional accommodation in the bunkie. Lease amount for the year is $ 9,000 plus the Service Fee of $ 1,200. (id:22681)

3 Bedroom 1 Bathroom 710

Wilfred Mcintee & Co Ltd Brokerage (Sb)

For sale Open House
$439,900
443 14TH Avenue, hanover, Ontario

443 14th Avenue

Hanover, Ontario

Welcome to 443 14th Ave, Hanover, just half a block off Main Street, boasting unparalleled exposure and convenience. Step inside to discover some modern updates. With 2 bedrooms and 1 bath, this home offers the perfect sanctuary amidst the bustling energy of main street life. The renovations ensure both style and functionality including a new kitchen, modern bathroom, vinyl flooring throughout and the new spacious living room with french doors to deck. The insulated 12'x20' garage provides ample space for a workshop, vehicles or storage, enhancing the property's practicality. For those with a vision, the unfinished basement presents an exciting opportunity for customization or expansion according to your desires. Whether you envision a home gym, or additional living space, the possibilities are endless. Currently used for residential purposes, this property also offers commercial potential, making it an ideal investment opportunity. Take advantage of the prime location and excellent exposure to set up your dream business or rental property. Don't miss your chance to own this property with its unbeatable location, modern updates, and versatile potential, this home truly has it all. Schedule your viewing today and make your urban living dreams a reality! (id:22681)

2 Bedroom 1 Bathroom 2193

Exp Realty

For sale
$1,095,000
1182 DORCAS BAY Road, tobermory, Ontario

1182 Dorcas Bay Road

Tobermory, Ontario

You'll be captivated by the grand Logs in this beautiful home, with diameters from 15-24 inches, all sourced from Simcoe County, Ontario Pine. A secluded driveway leads to a blend of splendid architecture and natural surroundings. Regularly visited by deer and wild turkeys, observed through numerous expansive, luminous windows. Enjoy the waves from the extensive covered wrap-around porch or by a fire under the stars. Inside, find Engineered hardwood floors throughout the main level, complementing an open layout with cathedral ceilings spanning up from the massive staircase. A spacious kitchen boasts black granite countertops and stainless steel appliances, including a large island with a breakfast bar. Large great room with access to the covered deck. Main floor 3 pc bath and laundry space round off the main level of this grand home. You will find custom-built cabinets throughout making functional use in many spaces. Upstairs, a lake view sitting area offers potential for a third bedroom or office. A loft area spans the upper level between each end of the home. The primary bedroom features ample closet space & close by is a character-rich 3pc bathroom and 2nd generous size bedroom. The unfinished lower level presents expansion possibilities. Extras include a large detached garage with door openers, an 8x12 garden shed, and a lakeside firepit ideal for memorable starlit evenings. This home / cottage is currently STA approved and is being sold turn key with all contents. (id:22681)

2 Bedroom 2 Bathroom 1900

Chestnut Park Real Estate Limited

For sale
$2,425,000
161 HURON Road, point clark, Ontario

161 Huron Road

Point Clark, Ontario

Introducing a rare opportunity to own a brand new home on one of the last remaining lakefront lots in the lakeside community of Point Clark. This stunning 2-story home has been meticulously designed to take full advantage of the breathtaking views of some of the nicest sunsets in the world, along with everything else that you’d expect from a new home on the beach. Not only will you have picturesque views from the main floor primary bedroom, the kitchen/dining room, and the great room, the home also consists of an upper level balcony off of one of the additional bedrooms (which would make for a great home office). Boasting 4 bedrooms & 4 full bathrooms & 2659sf of finished living space, this home is perfect for a wide variety of potential buyers, especially those who appreciate living in luxury by the water. The Tarion certified builder is well known for his attention to every detail & you won’t be disappointed with the carefully selected interior finishes throughout. Key features you can expect inside the home is “main-floor living” with the mudroom off the attached 2-car garage, 4pc bathroom, large primary bedroom along with the 4pc ensuite & walk-in closet, laundry room, den, open concept kitchen/dining equipped with island & stainless steel appliances offering direct access to the expansive patio space, perfect for BBQ’ing, walk-in pantry, and a spacious great room with a charming natural gas fireplace. The upper level consists of a large open loft space, a junior suite bedroom with 3pc ensuite, 2 additional bedrooms & a 4th full bathroom. The finished product will include natural gas FA heating & cooling with heat-pump, spacious crawl space for storage, a private double-wide asphalt laneway, a side deck off the north side of the house, & the perfect blend of deck/patio and green space only steps away from the sandy shores of Lake Huron. This is a special opportunity, don’t miss out. (id:22681)

4 Bedroom 4 Bathroom 2659

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$189,990
PT LOT 36 8 Concession, huron-kinloss, Ontario

Pt Lot 36 8 Concession

Huron-Kinloss, Ontario

Nestled in the hamlet of Pine River is where you will find this beautiful residential lot. Build your dream home or 4 season cottage just minutes away from the sandy shores of Lake Huron. Take a 3 minute car ride, bike or even a walk to the Bruce beach access directly at the end of Concession 8. Soak up everything Lake Huron has to offer such as fishing, boating, paddle boarding, as well as its world famous sunsets. This property is level and ready to go. Amenities are all close by, go south to the Amberley general store or north into the town of Kincardine. This lot has no Restrictive Covenants attached and best of all, there is no timeline to build! (id:22681)

Lake Range Realty Ltd. Brokerage (Point Clark)

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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%.

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