(519) 375 - 5120 shannon@shannondeckers.com

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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.

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For sale
$865,000
112 JACKSON Street E, durham, Ontario

112 Jackson Street E

Durham, Ontario

This stunning bungalow offers an impressive 3220 square feet living space with an open concept floor plan -- vaulted ceilings, stone fireplace, built-in storage with seating in front of two gorgeous windows overlooking the backyard which is perfect for entertaining with covered composite deck, large stone patio and views of the retaining pond. Kitchen is modern with wrap around quartz on the eat-in island and dining area with patio door to backyard. Master bedroom on this level offers a hotel-style bath with under-counter lighting and large walk through closet with top-notch organizers. The 5-pc bath cleverly separates the double sinks from the soaker tub and tiled shower, making it easier to get ready for a night on the town. Another main level bedroom and snazzy laundry with tons of storage exists on this level. Downstairs you'll find a grand rec room ready for entertaining. TV wall with shelving, dry bar, full bath and two more bedrooms in addition to storage areas. To top it all off there is an attached double car garage with epoxy floor and loads of built in storage. (id:22681)

4 Bedroom 3 Bathroom 3220

Keller Williams Realty Centres

For sale
$625,000
74 SPRY LAKE Road, oliphant, Ontario

74 Spry Lake Road

Oliphant, Ontario

Welcome to your perfect getaway in Oliphant, Ontario! This charming 3-bed, 2-bath home has been recently upgraded to ensure comfort and convenience. From the updated bathroom to the ductless mini-split providing heat and AC, flooring improvements, and freshly painted interiors, every detail has been meticulously attended to. The attached double garage shields you from the elements year-round, making trips hassle-free. Step onto the covered porch and take in the tranquil surroundings of your fenced yard, offering privacy and security for outdoor activities. Located in an area renowned for kiteboarding, boating, and hiking, adventure is just moments away. Enjoy kite surfers on Lake Huron or take a short drive to Oliphant Beach and Marina for sandy shores and aquatic fun. Wiarton and Sauble Beach are nearby for vibrant coastal vibes, while Owen Sound offers urban exploration opportunities just 40 minutes away. Back home, unwind on the back deck with a hot tub or utilize the garden shed (8x12) for outdoor gear. Inside, spacious rooms including an ensuite bathroom in the primary bedroom provide comfort for everyday living or weekend getaways. Whether seeking a permanent residence or vacation retreat, this versatile property offers the best of both worlds. Schedule a viewing today and make this charming retreat yours! (id:22681)

3 Bedroom 2 Bathroom 1773.2700

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

For sale
$699,999
8 LEVITTA Street, flesherton, Ontario

8 Levitta Street

Flesherton, Ontario

This warm and welcoming renovated farmhouse has been beautifully modernized and updated while keeping all of the original charm and character. The hard work has already been done for you – all that’s left is to move in! Featuring an eat-in Kitchen with coffee bar, Living Room with Juliette balcony, main floor gym, spacious and restful primary bedroom with walk-in closet and no less than 3 electric fireplaces to add to the cozy atmosphere. The lovely Family Room is full of natural light and is the perfect space to relax and enjoy time with friends and family, complete with built-in shelving, in-floor heat & an attractive fireplace. A small fenced yard means minimal outdoor maintenance with patios, perennial flower beds, cedar hedge and garden shed for outdoor storage. A wonderful location for a young family or retirees, just a short walk to schools, shops, local library, & Flesherton Pond. Just 12 mins from Beaver Valley Ski Club + easy access to golf, rec facilities, new hospital and more. The popular Beaver Valley area, ski clubs, the Bruce Trail, swimming, boating & fishing are all right on your doorstep! Under 2 hrs from GTA, 90 mins from Kitchener/Waterloo, 40 mins to Collingwood/Blue Mountain. (id:22681)

3 Bedroom 2 Bathroom 1795

Forest Hill Real Estate Inc. Brokerage

For sale
$410,000
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 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 3-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
$1,150,000
110 PATTERSON PARKWAY, georgian bluffs, Ontario

110 Patterson Parkway

Georgian Bluffs, Ontario

Welcome to your dream retreat in a serene neighborhood just south of Wiarton! This gorgeous ranch home offers the perfect blend of comfort and tranquility. With 4 bedrooms and 3.5 bathrooms, this spacious residence is ideal for families or those seeking a peaceful oasis. Oversized windows in the bedrooms frame breathtaking views of the surroundings, creating a seamless connection with nature. Embrace the expansive wrap-around deck, providing an ideal space for outdoor entertainment and relaxation. The property also features a 3-car detached garage/workshop with a convenient dog-washing station, as well as an attached 2-car garage, providing ample space for parking and your projects. As if that weren't enough, with a lake view to add to the allure, you can indulge in fishing or take advantage of deeded water access for kayaking and canoeing adventures. This quiet neighborhood gem offers the perfect escape for those seeking tranquility without sacrificing luxury. (id:22681)

4 Bedroom 4 Bathroom 1838

Royal LePage Rcr Realty Brokerage (Os)

For sale Open House
$998,000
9 LAKEFOREST Drive, southampton, Ontario

9 Lakeforest Drive

Southampton, Ontario

Welcome to luxury living at Southampton Landing, where Berner Contracting presents a masterpiece in progress— Nestled in Southampton's newest subdivision, this home boasts three bedrooms and two bathrooms. Open-concept living extends from the living room to the kitchen and dining area. This home is full of custom features including, a vaulted ceiling with exposed beams, engineered hardwood floors, a cultured stone fireplace, and a coffered ceiling over the dining area. The oversized patio door takes you to a private 14X16 raised deck overlooking the cedar trees behind the home. This home will be complete with a concrete driveway and fresh green sod. Call your REALTOR® today for your private showing. (id:22681)

3 Bedroom 2 Bathroom 1866

Royal LePage D C Johnston Realty Brokerage

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
$635,000
2 LIBBY Street, stokes bay, Ontario

2 Libby Street

Stokes Bay, Ontario

Welcome to your dream cottage or 4 season home nestled in a tranquil setting! This delightful newer 3 bedroom, 2 and a half bathroom home exudes warmth, character, and timeless appeal. As you step through the front door, you'll be greeted by an open-concept living area that seamlessly blends modern design with cozy elements. The spacious and sunlit living room is the perfect place to unwind with a charming propane fireplace that invites you to cozy up on chilly evenings. The well-appointed kitchen is a chef's delight, boasting stainless steel appliances, ample counter space, and versatile cabinetry. A half bathroom on the main level adds convenience for guests and daily living. With three bedrooms, this home is perfect for families, offering space and comfort. On the main floor you will find the primary bedroom with an immaculate ensuite and a door to step outside onto the charming deck. Upstairs you will find an open concept landing, that you could use for an office area, a small living area, or just a nice lounge area to relax. There is ample storage space with a crawl space that wraps around attaching the two upper bedrooms. You will also get the added bonus of in-floor heating on both levels of the home. You are a short drive or bike ride to the beautiful Sandy Beach at Hardwick Cove where you can enjoy the beautiful waters of Lake Huron. This property offers a peaceful retreat from the hustle and bustle of everyday life, with its tranquil setting and serene surroundings. (id:22681)

3 Bedroom 3 Bathroom 1670

Royal LePage Rcr Realty Brokerage (Os)

For sale
$999,000
6806 HIGHWAY 21, south bruce peninsula, Ontario

6806 Highway 21

South Bruce Peninsula, Ontario

Custom Built One Level Stone Finished Exterior Home on 43.5 ACRES and just a few minutes to Southampton. Indoor parking for up to 4 vehicles, outdoor space with 30 Amp RV hookup. NEW UPGRADES include: Natural Gas Line, Furnace/AC, Generator that runs the entire property for peace of mind in bad weather, New Drilled well with water pressure as good or better than City water. New fenced front yard for children and pets, amazing flower gardens surround the Home to relax and be one with nature. New Gas Stove, New Refrigerator, New Weber Gas BBQ, New Highend screen doors for front & back. List of New changes to property and Home are extensive. New, New, New is the theme, just needs New Owners!! (id:22681)

3 Bedroom 2 Bathroom 2000

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

For sale
$550,000
LOT 32 CON 3 HIGHWAY 6, south bruce peninsula, Ontario

Lot 32 Con 3 Highway 6

South Bruce Peninsula, Ontario

100 acre parcel on the Bruce Peninsula that includes deeded mineral rights. This lot is treed with the possibility of logging with the proper permits of the back portion of the property. Trails run throughout this natural retreat that has freshwater springs as well as a beaver pond. Whether you are looking for a recreational property, a hunting parcel or just a quiet retreat, this property should be on your list! (id:22681)

Sutton-Sound Realty Inc. Brokerage (Wiarton)

For sale
$464,900
171 VICTORIA Street, clinton, Ontario

171 Victoria Street

Clinton, Ontario

Welcome to 171 Victoria Street, Clinton. This charming 1520 sq.ft 2-storey home bursting with character! As soon as you step inside, you'll be captivated by the vintage charm that fills every room. From the detailed trim to the stained glass transom windows, you will truly appreciate this home's extensive detail. The living and dining room feature beautiful hardwood floors, adding warmth and elegance to the space. The foyer is spacious and flooded with natural light, creating a welcoming atmosphere. The kitchen is a true highlight, with its vertical plank wainscoting and stained glass window adding a touch of elegance. With plenty of cabinet space, your culinary skills have plenty of room to flourish. Convenience is key, and this home delivers with a 3-piece bathroom on the main floor, perfect for guests. Plus, there's a mudroom at the rear, providing ample storage space for all your belongings. Upstairs, you'll find three spacious bedrooms, each with its own closet, offering comfort and privacy. The 4-piece bathroom boasts a large vanity, and the second-floor laundry makes chores a breeze. Outside, the large fenced corner lot is a dream come true. It offers plenty of space for outdoor activities and entertaining. You'll also find two garden sheds, perfect for storing tools and equipment. And let's not forget the playset, a haven for the kids to enjoy endless hours of fun. This property truly has it all - vintage charm, ample space, and a fantastic location. Don't miss out on the opportunity to make this house your home sweet home! (id:22681)

3 Bedroom 2 Bathroom 1520

Royal LePage Exchange Realty Co. Brokerage (Kin)

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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%.