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SHANNON DECKERS

Not Just Another Realtor®

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

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

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

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

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

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SHANNON DECKERS

Why Choose Us

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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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LOADING

For sale
$1,075,000
538 QUEEN Street N, paisley, Ontario

538 Queen Street N

Paisley, Ontario

A unique property to be proud of! Carry on the ownership of this GRAND yellow brick home that once featured a Ball Room (current kitchen and dining room). Built by Robert Porteous, Banker and Businessman circa 1880, the house was designed to accommodate friends, family and business associates. Large outdoor front patio, front sun porch, Four white marble fireplaces, 11.5 foot ceilings on the main floor, sweeping staircase, roomy bedrooms, thick walls, built-in's, spacious basement (including pantry) and original Carriage House still remain. Subsequent owners added an addition at the back which has been used as private living quarters complete with an Amethyst covered fireplace, main floor bathroom, laundry room and more. Some interior supporting walls are double brick, with exterior being triple brick. Basement and 2nd floor ceilings are 10.5 feet high. Basement has concrete floors, propane fireplace and stone foundation walls approximately 3 feet thick. Wiring has been updated and there is a generator for backup if needed. A huge 52 X 62 Shop has been attached to the 26' X 18.5' brick carriage house. Current owner has lived here for decades and ran Gar-ham Hall Bed and Breakfast, utilizing the 6 bedrooms and 5 bathrooms, even creating the magical 3rd floor Suite. Set back from the main street in the Village of Paisley, this property is 1.43 acres in size so it has a private feel with spacious outdoor lawns and a side patio off of the private quarters. Situated less than a half hour from Bruce Power, this would be a great place to provide lodging and storage for those who need it, run a B and B, or simply enjoy it with your family. Floor plans can be viewed in the photos and enjoy the virtual walkthrough. (id:22681)

6 Bedroom 5 Bathroom 4876

Coldwell Banker Peter Benninger Realty

For sale
$349,000
1235 2ND Avenue E, owen sound, Ontario

1235 2nd Avenue E

Owen Sound, Ontario

Welcome home to this 3-bedroom, 1-bathroom century home nestled in the heart of a vibrant downtown location with convenient access to shopping, restaurants, the harbor and parks, all just steps away. This cozy home is complemented by a thoughtful layout, with functional living, dining and kitchen space on the main floor. Furthermore upstairs you will find a full 4 piece bath and 3 spacious bedrooms, providing space for a whole family. One of the top features of this home is the abundance of parking for a downtown location. Simple yet well kept and pride of ownership is evident. Don't miss out on this fantastic starter home or investment opportunity, schedule a viewing today! (id:22681)

3 Bedroom 1 Bathroom 850

Century 21 In-Studio Realty Inc.

For sale
$877,000
193173 30 Sideroad, west grey, Ontario

193173 30 Sideroad

West Grey, Ontario

Three private scenic acres with a 4 bedroom, 2.5 bathroom brick home overlooking a large private pond (pond depth of 8'-10' and spring fed). Main floor of the home consists of kitchen, dining room, laundry, 4 pc bathroom, 2 pc bathroom, primary bedroom plus 2 additional bedrooms, rear entrance to yard, an entrance to the attached 1 car garage, and the living room with lovely balcony over looking the pond and landscaped rear yard. Lower level has a large family room with propane fireplace, and walk-out to patio and rear yard, 3 pc bathroom, 4th bedroom, and 2 utility rooms. Yard has 3 storage sheds. This property is in a great location minutes to the Town of Durham and 15 minutes to the Town of Hanover. [Annual Heat: $2,282.59; Annual Hydro: $1,858.00; Furnace is 1 yr old; Owner has a monthly furnace and fireplace maintenance and repair contract with Cross Heating for $21.58/month that can be cancelled if buyer wishes to]. (id:22681)

4 Bedroom 3 Bathroom 2235

Wilfred Mcintee & Co Ltd Brokerage (Dur)

For sale
$524,900
119 BRUCE Street N, durham, Ontario

119 Bruce Street N

Durham, Ontario

Century stature with chic interior!! The owners of this 1921 brick beauty have applied tastefully chosen interior upgrades/renovations while still maintaining enough of the original characteristic finishes to provide a balanced blend. Refinished hardwood floors, a gorgeous hardwood staircase leads to the 2nd level from the front entrance foyer. The kitchen has been redesigned and upgraded to modern standards with granite counter tops and a functional breakfast bar/work island. The cozy family room opens onto the rear deck which overlooks the spacious rear yard. And, no century home is complete without a spacious, covered front porch to set off the curb appeal. The dry functional basement has an external entrance for ease of entry for storage. Speaking of storage, check out the storage shed/garage at the end of the lot length driveway. All this home needs is a new loving owner! (id:22681)

3 Bedroom 2 Bathroom 1885

Coldwell Banker Win Realty Brokerage

For sale
$1,124,000
LT 14 GROSVENOR Street, southampton, Ontario

Lt 14 Grosvenor Street

Southampton, Ontario

Build your Net Zero Dream Home, just 3 blocks away from the beautiful beaches of Lake Huron, in sought after Southampton ON! Construction could start as early as Spring 2024 with Dennison Homes/Bruce County Custom Cabinets. Price includes the completion of the main floor -which is customizable- but for example would include 2 bedrooms, a large full/main bathroom and en suite bathroom for the primary bedroom. As well as a large great room, with vaulted ceilings and gas fireplace, that is open to the chef's kitchen and dining area. The back deck would be made of composite wood and aluminum railings for zero maintenance and the front porch would be poured concrete. The sod and driveway are also included in this price. The basement is unfinished but can be designed to be a secondary rental unit with access from the garage or more space for your family to enjoy. (id:22681)

2 Bedroom 2 Bathroom 1300

Sutton-Huron Shores Realty Inc. Brokerage

For sale
$1,675,000
243294 SOUTHGATE ROAD 24, southgate, Ontario

243294 Southgate Road 24

Southgate, Ontario

65 acre farm, with approximately 45 acres workable. With 3000 sq. ft. of living space this renovated farm house showcases the beautiful original stone walls throughout the interior main level. Featuring massive sized main level rooms, tons of natural light, and double staircases this home is overflowing with potential. Main floor consists of: foyer, kitchen, dining room, living room, sitting room, laundry room, a sunroom, 4 pc bathroom, and 2 bedrooms. Second floor consists of: 3 bedrooms, a 3pc bathroom, and a kitchenette. The undeveloped basement is for utilities and storage with a walk-out and walk-up. Geothermal heating and cooling systems, and most windows replaced. Currently undergoing renovations on main level with new drywall installed in many areas. There is large spring fed pond. 3 dug well casings with one overflowing at all times. Bank barn with loose housing and 3 additions, 1 would make a good kennel. There is a concrete yard and detached covered 20'x60' pit silo. (id:22681)

5 Bedroom 2 Bathroom 3097

Wilfred Mcintee & Co Ltd Brokerage (Dur)

For sale
$995,900
392774 SOUTHGATE SIDEROAD 39, southgate, Ontario

392774 Southgate Sideroad 39

Southgate, Ontario

If you are interested in historic architecture and a relaxed lifestyle in a country setting this may be the home for you! Or, take advantage of the high speed internet for a relaxed workplace. Add to this a fully insulated, heated, metal lined workshop, a small tool shed with insulated chicken penning and a dog run with an insulated dog house. The exterior of this 1905 schoolhouse has not been harmed by renovation over the years and the interior has had modern functionality incorporated with the original flooring, woodwork, tin ceiling and school house lighting & school bell in the bell tower to strike a tasteful balance. This home has a number of unique features including a wonderful full height principal suite on the 3rd level. There are three more bedrooms, a washroom and the laundry on the 2nd level which overlooks the 18 ft. high original tin-plated ceiling of the main living area. The main level has another washroom, a mudroom, a functional kitchen with a live edge breakfast bar, the great room with a woodstove and the large dining room with a walkout onto a large deck overlooking the rear yard and hot tub enclosure. The full height basement has a hobby room as well as a ground level walkout. All mechanicals have been updated. All this on a 1 acre treed and landscaped lot. Scan the QR code to read up on the history of SS No. 2 at Allan's Corners. (id:22681)

3 Bedroom 2 Bathroom 2150

Coldwell Banker Win Realty Brokerage

For sale
$525,000
1185 HIGHWAY 6, south bruce peninsula, Ontario

1185 Highway 6

South Bruce Peninsula, Ontario

This is a unique opportunity for those seeking an investment with fantastic agricultural prospects. The property itself has 45 acres of workable farmland and includes a nice stand of bush. The field also has a natural fall creating good natural drainage. The property only a short 10-minute drive to Wiarton. Sellers are severing house from property, Sellers willing to work with a buyer allow a crop to be planted for the 2024 season if needed during the severance time. (id:22681)

Keller Williams Realty Centres

For sale
$1,750,000
615690 HAMILTON Lane, west grey, Ontario

615690 Hamilton Lane

West Grey, Ontario

Welcome to your dream home nestled on almost 5 acres in the heart of scenic countryside, offering the perfect blend of modern luxury and tranquil rural living. This exceptional property, located just 3 minutes from Markdale, 15 minutes to Beaver Valley Ski Club, and a short 30-minute drive to Blue Mountain, is a true gem for those seeking a peaceful yet accessible retreat. This unique property boasts not one, but TWO fully equipped residences, making it perfect for multi-generational living, rental income, or hosting guests. The main residence has a GeoThermal heating and cooling system, is nearly 5,000 sq. ft. and offers 5 bedrooms, 3 bathrooms, an office, an expansive open concept kitchen, dining and living room with vaulted ceilings. The basement is fully finished and complete with its own kitchenette, large recreation room, and four walkouts to the backyard. The heart of this home is undoubtedly the spacious kitchen featuring a magnificent 15-foot island, perfect for family gatherings and entertaining. Custom Amish-built cabinetry, a built-in spice rack, and high-end appliances make this kitchen a chef's paradise. Relax and take in the breathtaking treed views on the expansive 55-foot deck, ideal for summer BBQs, star-gazing, or simply unwinding in the fresh air. The primary bedroom boasts a generous 13-foot walk-in closet and 8-foot sliding doors leading to your private outdoor oasis and beautiful 5 piece ensuite complete with soaker tub. But that’s not all, in addition to the main residence, there is a separate guest house featuring an open concept kitchen, living, and dining room, 2 bedrooms, bathroom, and laundry facilities, making it an ideal space for visitors or extended family. (id:22681)

7 Bedroom 4 Bathroom 5729

Century 21 In-Studio Realty Inc.

For sale
$580,000
150 SIR JOHNS CRESCENT Highway, shallow lake, Ontario

150 Sir Johns Crescent Highway

Shallow Lake, Ontario

TWO LIVING SPACES FOR THE PRICE OF ONE! Spacious home with a galley kitchen, dining room, living room with wood stove, 3 bedrooms, 1 full bath & 1/2 bath/laundry. Lots of storage space in the unfinished basement or finish to your own liking. Attached garage & heated workshop 24x30. Large granny suite 24x30 built in 1990, open concept with a 3pc bath and its own septic. Garage & Granny Suite roof done in August 2022. Located in the small village of Shallow Lake with everything one would need for every day living. Post Office/variety/liquor store, coffee shop, barber shop, gas station, truck repair, ready made meal heat n eat, ball diamond, community center, church, and access to the rail trail. Only 12 minute drive to the sandy shores of Sauble Beach. Not to mention access to our very own Shallow Lake what more could you want in a place to call home! (id:22681)

3 Bedroom 3 Bathroom 1462

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$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
$749,000
243206 SOUTHGATE ROAD 24, southgate, Ontario

243206 Southgate Road 24

Southgate, Ontario

A curved paved driveway leads to this 1.5 storey home on 2.13 acres with a good sized spring fed pond. The home is surrounded by plenty of landscaped open space, and a cedar tree line along the road and north side of the property giving privacy. Main floor of the home has a foyer and sunroom with patio doors to side yard and fenced dog run. There is a primary bedroom on the ground floor, and as you walk past the laundry and 5 pc bathroom here you will enter the updated kitchen/dining room and family room. All leading to a large deck for your enjoyment of the backyard overlooking the pond (which has underground wiring routed to it) and fruit trees (apple, pear and cherry, all producing). Second level has two good sized bedrooms and a 2pc bathroom, lower level is undeveloped, but spray foam insulated. Attached 24x24' garage. Many upgrades in 2023 such as wiring, lighting, new baseboard heaters, ceiling fans, flooring, paint and insulation. 200amp hydro service, dug well with UV filter, private septic system. Heat pumps: 1 unit is 2 yrs old, and 2nd unit is 6yrs old. (id:22681)

3 Bedroom 2 Bathroom 1660

Wilfred Mcintee & Co Ltd Brokerage (Dur)

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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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