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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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LOADING

For sale
$729,900
557329 4TH Concession S, meaford (municipality), Ontario

557329 4th Concession S

Meaford (Municipality), Ontario

An unusual Southern exposure protected property laying across geological drumlins looking down through the Strathaven Queens Valley. The property is located on the 4th concession of Meaford with 30.66 acres that is a mixture of farm fields, bush, valleys of streams and an old pond for cattle. The property is surrounded with views of bush, farms and wildlife in an area of unusual drumlins in Ontario. It is common to see many whitetail deer grazing in the back fields in the early morning. Upon arriving, you take a winding drive through trees and past rock fences to rise-up onto an 8-acre high open field. You can stand high and look across drumlins to see for miles across the valley to the south and east to Walters Falls and beyond. Or settle into the warm lower protected areas of the estate property. The fall is a mixture of colours from hardwood bush and pines. The Niagara Escarpment and Bruce Trail is 1.5 miles to the North and access is also nearby in the Strathaven valley. Cross Country ski trails exist in the bush and nearby Grey Sauble Conservation Areas. The property has a tributary stream which feeds to the Big Head River to the south. This property provides northern-like privacy and a unique feel with stunning views. It can suit a country estate, farm or resort lodge opportunities. It fronts on maintained municipal roads. It is a close commute to the GTA, while being ideally situated close to all activities in Grey-Bruce-Simcoe. It is 15 minutes to Meaford, Owen Sound and 35 minutes to Blue Mountain. It has local horse farms near for trail-riding and lessons. The area has been popular for European property owners and travelers. There are a variety of development opportunities on this rare property. (id:22681)

Exp Realty

For sale
$879,000
495155 TRAVERSTON Road N, west grey, Ontario

495155 Traverston Road N

West Grey, Ontario

Tucked away amidst serene countryside, this cozy brick bungalow offers a peaceful retreat from the hustle and bustle of city life. Set on a 6.3-acre parcel that abuts the neighbouring 1700-acre Bell’s Lake Conservation Area, inviting you to connect with nature and savor the simple pleasures of country life. The home is almost completely updated with new flooring, kitchen, window & doors, furnace, woodstove, and freshly painted. Step inside to find a home filled with character and warmth. The main floor boasts a modern kitchen with breakfast nook that’s filled with natural light, formal dinning room, two living areas, one with fireplace that adds a touch of coziness on chilly evenings, laundry with garage and backyard access, powder room, beautifully update main bath and 3 comfortable bedrooms, including large primary bedroom. Downstairs, the full basement offers additional space and storage. Outside, the property is a true haven waiting to be explored. Whether you're an avid outdoorsman or simply seeking a quiet place to escape the stresses of modern life, this property has something to offer everyone. Just a short drive from town providing easy access to essential amenities and services. In summary, this charming bungalow offers the stunning blend of rural charm and modern convenience, making it an ideal retreat for those seeking a quieter way of life. This peaceful oasis is sure to capture your heart. Don't miss your chance to experience the tranquility and beauty of country living. (id:22681)

3 Bedroom 2 Bathroom 1661

Grey County Real Estate Inc. Brokerage

For sale
$685,000
1034 DORCAS BAY Road, tobermory, Ontario

1034 Dorcas Bay Road

Tobermory, Ontario

Ahh the sunsets... Take in the stunning 100ft. of rocky Lake Huron shoreline featuring a gradual entry to the lake. You will love it for kids, pets or kayaking. With a lane to the shoreline, transporting water toys to the lakeside is a breeze! Enjoy all day by the water with the 8'x12' Bunkie nearby - perfect for storage. If you need extra storage space, the detached garage plus storage shed on site offer plenty of room! The garage is complete with a concrete floor and hydro, ready for your workshop. Do you enjoy gardening? There is plenty of sunshine to either sit and enjoy on the front lawn or cultivate your green thumb in the perennial gardens. The gazebo offers shade and a lovely place to dine outdoors. At night you can sit under a blanket of stars in this Dark Sky community, with the warmth of a campfire at your feet. Rain or shine you can enjoy the sunroom with a wall of windows to take in the views... and the gentle breeze! This 3 bedroom, 3 Pc bath home/cottage offers over 960sq.ft. of living space, plus the 360sq.ft. sunroom. A great escape for families, retirees or snow birds! The open concept kitchen and dining area features an additional walkout to the sunroom. Enjoy the ambiance of the propane fireplace in the living room. The updated flooring throughout is easy to clean. Peace of mind is afforded with the upgraded windows, baseboard heaters, UV system, spray foamed crawlspace and roof - to name only a few. Privately treed property with a beautiful shoreline! - An additional lot is available for sale across the road if you are looking for extra space or have friends/family who wish to be nearby! 1.8 Acres with driveway. - MLS®: 40548965. (id:22681)

3 Bedroom 1 Bathroom 963

RE/MAX Grey Bruce Realty Inc Brokerage (Tobermory)

For sale
$249,900
341 BRUCE ROAD 40, elderslie twp, Ontario

341 Bruce Road 40

Elderslie Twp, Ontario

Well kept country church sitting on a high, dry lot of over 1/2 an acre on the west edge of Dobbinton. Last service will be June 30th, 2024 and this lovely old building will be looking for a new purpose. In speaking with the CBO of the Municipality, it does not appear a switch to residential zoning will be an issue at all. Buyer welcome to confirm this. Looks like a very good drilled well with the casing well above ground level. We think the septic will be a small system and may need an upgrade for residential use. The basement sits nicely up out of the ground making it bright and cheery. Much like a raised bungalow, upon entering a very spacious entry area a few steps takes you either up or down. At this price point you can do the upgrades to residential and have a one of a kind heritage home in the country on a 1/2 acre lot at an affordable price for you and your family to enjoy for many years to come. The property is subject to an unregistered easement along the west side (see tracks) for the farmer to the south to allow him access to his property on a seasonal basis. (id:22681)

1 Bathroom 2947

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale
$1,200,000
307 CONCESSION 6, kincardine, Ontario

307 Concession 6

Kincardine, Ontario

Your next farming project awaits at the Harvest Haven Farm! Totalling an expansive 97.5 acres, this farm is just waiting for you to live out your agricultural dreams. With 70 acres of workable farmland, the growth potential is abundant. The land comes with random tile drainage and a combination of Elderslie silty clay loam and Saugeen silty clay loam soil types. This property also has the Willow Creek running through it, providing a great source of natural water. A good mix of bushland with mature hardwood trees is ready for a bountiful harvest. The farm is currently rented at approx. $575 an acre for 50 acres, and $250 per acre for 20 acres. If you’re looking for an investment opportunity, this farmland (house excluded in this listing) is not only vast and fertile but will give you a great return on investment. Don’t miss the opportunity to call the Harvest Haven Farm yours! Seller financing (VTB) is possible. (id:22681)

Keller Williams Realty Centres

For sale
$575,000
39 QUEEN Street, markdale, Ontario

39 Queen Street

Markdale, Ontario

This spacious Century Home offers an opportunity to update and add your own personal touches with the convenience of being move in ready! Starting with the welcoming enclosed front porch, so many possibilities and options for how you use this charming space. With a little bit of creativity you can reinvent the use of an enclosed front porch to be a cozy reading nook, a summer dining area or create a coffee bar for summer morning coffee with friends! While the second story of this home offers 3 bedrooms and a 3 piece bathroom away from the hustle and bustle of busy evenings, the main floor lends itself to a single floor living plan. Aside from the generously sized living room, there is a den that could also be used as a bedroom, a 3 piece bathroom with a walk in shower and main floor laundry. The large bright, country style, eat-in kitchen with ample storage and counter space beckons all to gather for family game night. Conveniently, there is a sliding glass door from the kitchen to the back deck for barbequing, hot tub soaks and play time for the kids and pets in the enormous fenced in back yard. Tucked behind the house is a compact little workshop for the handy member of the family. With a location that is within walking distance to schools, parks, trails, and all local amenities this home ticks all the boxes that one would look for in a great family home. (id:22681)

3 Bedroom 2 Bathroom 1900

Century 21 In-Studio Realty Inc.

For sale
$929,900
347 RIDGE Street, port elgin, Ontario

347 Ridge Street

Port Elgin, Ontario

The exterior is just about complete on this brand new 2 storey home; located on the corner of Ridge Street and Amanda's Way in Port Elgin; just a short walk to gorgeous sand beach and nature trails. The above grade square footage is 2160; there is a full unfinished basement which can be finished for an additional $35000 including HST. The main floor features a great room with 9ft ceilings, hardwood floors and gas fireplace, kitchen with Quartz counter tops, walkout from the dining room to the backyard, powder room, laundry / mudroom off the 2 car garage and den. Upstairs there are 3 bedrooms and 2 full baths. HST is included in the asking price provided the Buyer qualifies for the rebate and assigns it to the Builder on closings. Prices subject to change without notice. (id:22681)

3 Bedroom 3 Bathroom 2160

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$599,000
110 VICTORIA Avenue, markdale, Ontario

110 Victoria Avenue

Markdale, Ontario

A perfect place to call home! Welcome to 110 Victoria Ave a charming 1100 square foot brick bungalow nestled in the village of Markdale. Boasting a picturesque setting, this meticulously cared-for home showcases numerous updates, ensuring modern comfort and convenience. Upon arrival, you'll be greeted by an inviting interlocking driveway and entrance, adding to the curb appeal of this delightful property. Step inside to discover the warmth of hardwood flooring that flows throughout the main living areas, enhancing the home's cozy ambiance. The layout features bright open living spaces, kitchen with lots of cupboard space, formal dinning room with walk-out to back deck, three bedrooms, offering ample space for rest and relaxation. Pride of ownership is evident in every corner, with thoughtful touches and meticulous maintenance apparent throughout. Whether enjoying a quiet evening indoors or entertaining guests, this home provides the perfect backdrop for creating cherished memories. Convenience is further enhanced by an attached single car garage with storage space for your stuff. Meanwhile, the insulated unfinished basement holds incredible potential, with a bathroom rough-in offering the opportunity to customize the space to suit your needs and preferences. Located in the heart of Markdale, this property offers a wonderful blend of small-town charm and modern comforts. Explore nearby amenities, including shops, restaurants, and recreational facilities, all within easy reach. Don't miss your chance to own this lovely bungalow. (id:22681)

3 Bedroom 1 Bathroom 1104

Grey County Real Estate Inc. Brokerage

For sale
$899,900
396 NORTHPORT Drive, port elgin, Ontario

396 Northport Drive

Port Elgin, Ontario

This 3 bedroom 2 storey home is located at 396 Northport Drive in Port Elgin. The main floor features hardwood and ceramic, with a solid wood staircase to the second floor. On the 2nd floor there are 3 bedrooms and 2 full baths. The basement can be finished for an additional $35000 including HST. Standard features include 9ft ceilings on the main floor, Quartz counters in the kitchen, sodded yard, concrete drive, gas fireplace and deck. HST is included in the asking price provided the Buyer qualifies for the rebate and assigns it to the Builder on closing. Prices are subject to change without notice. (id:22681)

3 Bedroom 3 Bathroom 1982

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$899,000
310 MAIN Street, sauble beach, Ontario

310 Main Street

Sauble Beach, Ontario

PRIME MIXED-USE COMMERCIAL PROPERTY IN DOWNTOWN SAUBLE BEACH! Welcome to a unique opportunity to cultivate your work and lifestyle vision in this versatile mixed-use space. Located in the epicenter of downtown Sauble Beach, this property ensures maximum visibility and accessibility for both locals and tourists and is only steps away from the beach. Once home to beloved Nick's Restaurant, this gem offers approximately 2000 square feet of possibilities, seamlessly blending living and working spaces. The main level entices the imagination with its raw potential, providing a blank slate to bring one's vision to life. Structural elements are in place, including rough-ins, the building's shell, and electrical (with 2 hydro meters). Design and tailor the space according to your business needs and one that reflects your vision. Ascend to the upper level, where a comfortable apartment is suited for a personal retreat or an extension of your business needs. This light and updated space is an inviting 2 bd, 1 bth space with open concept living/dining and kitchen with seamless access through sliding doors to a private balcony for your enjoyment. The opportunity to secure a location like this is limited, making it a coveted gem for those seeking a prime, mixed-use commercial real estate in Sauble Beach. Contact your REALTOR® for more information. (id:22681)

2 Bedroom 1 Bathroom 998

Chestnut Park Real Estate Limited

For sale
$1,599,000
6361 16TH Line, minto, Ontario

6361 16th Line

Minto, Ontario

Own your own 19 acre Lake !!!! Lake Ballinafad is entirely contained on this 39 acre property. This spring and stream fed Lake boasts depths of up to 24 ft. Great 4 season property for the naturalist or sports fisherman. The lake offers the opportunity for swimming, boating and skating. Imagine yourself engulfed in the sounds of nature with the sounds of birds, the sound of leaves rustling in a gentle breeze and while relaxing and overlooking this expanse of water dotted with waterfowl. The 900 SF Panabode home blends in with the treed surrounding. There is a 600+ SF insulated & heated workshop as well. All this tucked away amongst rolling farmland and situated only 2 hours from the GTA, Golden Horseshoe; even less from the KW/TriCity area. (id:22681)

3 Bedroom 1 Bathroom 900

Coldwell Banker Win Realty Brokerage

For sale
$1,250,000
97 RAY Drive, tobermory, Ontario

97 Ray Drive

Tobermory, Ontario

Welcome to the Lakehouse at the Red Canoe! Whether you are looking for the perfect retirement retreat, cottage, year round home, the perfect work from home location or just the perfect Ontario sunset, look no further. Privacy abounds on this property with over an acre of seclusion at the end of a cul-de-sac and abutting over 300 acres of conservation land just for good measure. If that is not enough, let's not forget that it sits on the border of Fathom Five National Marine Park. Just a short 5 minute drive to Tobermory with its beautiful new grocery store, medical clinic, school and marina this is the perfect mix of seclusion and amenities. Did I mention this is a cedar log home set back in the cedars on the shoreline of Lake Huron. What are you waiting for? Call your REALTOR® today for your private showing! (id:22681)

4 Bedroom 4 Bathroom 2780

Sutton-Sound Realty Inc. Brokerage (Wiarton)

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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%.

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