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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
$1,599,000
200 ELGIN Street, port elgin, Ontario

200 Elgin Street

Port Elgin, Ontario

Welcome to Bellwood Cottages, once known as The Bellwood Lodge, it was a popular boarding house located just 1/2 block from the sandy shores of Lake Huron. This L-shaped property has a frontage of 198.25 feet, and provides six cozy cottages & a large main house, all located just steps from the beautiful sandy shores of Lake Huron. Enter this traditional inn-style home through the front foyer. The main floor is thoughtfully configured, with a spacious living/dining room, efficient kitchen & laundry area, bonus breakfast nook that could also function as a den, office, or playroom, and a 3-pc. bathroom. The 2nd level is laid out with a 4-piece main bathroom, and four large bedrooms, each numbered and complete with private sink. The attic provides two separate partially finished rooms that offer tons of potential- a rec room, an office area, even a ‘hangout’ space for older children! The exterior siding has been recently replaced, and original oak hardwood flooring runs throughout most of the home. The six cottages included on the property are comprised of four 3-bedroom units and two 2-bedroom units, all of which have been well cared for + maintained, including various interior updates that have been completed over the years. A piece of Port Elgin’s history in a dream location- these comfortable cottages not only offer a major investment opportunity, but a stunning view of Saugeen Shores’ famous sunsets. Lot size is 128.23 ft x 132.15 ft x 83.72 ft x 66.09 ft x 44.06 ft x 198.25 ft. (id:22681)

4 Bedroom 2 Bathroom 1900

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$925,000
596525 CONCESSION 10, chatsworth (twp), Ontario

596525 Concession 10

Chatsworth (Twp), Ontario

130 acres large parcel in a great rural area. 47-48 acres cleared. The rear of the property is a scenic mixed treed bush lot with swamp and spring which feeds into Walter Creek. Beautiful views from house and barn location. Wildlife at your doorstep. Original home is a log cabin with an addition. Needs extensive updating or this could be a location for your new build. Historic Bank Barn also. Drilled well and Hydro service. Setback off the road with many options. Shed and grain bin also on the property. NO HST applicable which is great for non farmer buyers. (id:22681)

3 Bedroom 1 Bathroom 1502.5900

Exp Realty

For sale
$859,900
30 LAKEFIELD Drive, kincardine, Ontario

30 Lakefield Drive

Kincardine, Ontario

Situated in Kincardine's beautiful Lakefield Estates sits this excellent six year old 3+1 bedroom raised bungalow. This move in ready home offers bright open concept kitchen, living and dining rooms flowing nicely to a west facing deck that overlooks a fully fenced backyard that catches the breathtaking sunsets of Lake Huron and a recently added oversized stamped coloured concrete patio! With beach access running directly beside the property you are a one minute walk to the sandy beaches of famous Boiler Beach. Other attributes include 9 foot ceilings up, covered front and back patio/decks, granite counters and island, large welcoming foyer and fully converted to natural gas. Call your REALTOR® to schedule your personal viewing today! (id:22681)

4 Bedroom 2 Bathroom 2549

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$174,900
418 HAYES LAKE Avenue, huron-kinloss, Ontario

418 Hayes Lake Avenue

Huron-Kinloss, Ontario

Looking for the perfect spot to build your dream home? Look no further! This 1.026 acre building lot in Kinlough is a flat piece of land, situated on a quiet, paved year-round road. The location offers a peaceful setting, surrounded by beautiful agricultural land. Plus, the seller is even willing to negotiate the installation of a new drilled well at their expense. Talk about convenience! Not only does this location offer tranquility, but it's also centrally located. Just a short 2.2 km drive away, you'll find the Blackhorse Golf & Country Club, perfect for golf enthusiasts. Lucknow is only a 10-minute drive, and Kincardine and Walkerton are just a 20 and 23-minute drive away, respectively. With its ideal location, serene surroundings, and potential for a new drilled well, this vacant land in Kinlough is waiting for you to make it your own. Don't miss out on this amazing opportunity! (id:22681)

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$449,000
251 MCCULLOUGH LAKE Drive, williamsford, Ontario

251 Mccullough Lake Drive

Williamsford, Ontario

Welcome to 251 McCullough Lake Drive, a charming 2 bedroom 1 bathroom cottage located in the highly desirable community of McCullough Lake. The cottage features a steel roof, updated windows throughout (2022), 40FT drilled well (Sept 2022), new pressure tank, a large detached shop for all your toys, and a covered patio area perfect for entertaining. Enjoy deeded water access and a private dock (shared with 9 other cottages) to take in the breathtaking west-facing sunsets. Whether you enjoy fishing, swimming, kayaking, or waterskiing, this fully furnished cottage has everything you need for a peaceful lakeside getaway. Call to book a private viewing today. GBtel internet available. (id:22681)

2 Bedroom 1 Bathroom 540

Exp Realty

For sale
$675,000
457 DYERS BAY Road, miller lake, Ontario

457 Dyers Bay Road

Miller Lake, Ontario

Hidden gem awaits at 457 Dyers Bay Road!! (With 25 acres) Close to Georgian Bay, Tobermory and Wiarton. Nestled between a forest consisting of half hardwood and half cedars with the Maple Syrup ready to be boiled. This stunning and quiet property offers just over 25 acres with a very private 2 entrance gravel driveway to your hidden homestead. Away from the city traffic or lights, enjoy a hot tub at night overlooking the front of your property and the shining stars and only 4 steps across the balcony into your Primary Bedroom. The Owner has maintained the property from the moment he moved in. The upstairs Bathroom and Balcony was done by the owner to give an idea of how handy this seller is. Very meticulously kept home and 2 car garage with a loft and heat. Tour the trails and enjoy the tranquil 4-season property today. Allow 2 hours minimum for this property and explore the walking, horseback riding and ATV trails that are shown in the pictures. With no neighbours to disturb for acres, be sure to work from home and relax in your 4-season home. Owner would like to move closer to family therefore reason for selling. Property has been adored and still will be until time of Sold. (id:22681)

3 Bedroom 2 Bathroom 1300

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$559,900
14 BRACKENBURY Street, markdale, Ontario

14 Brackenbury Street

Markdale, Ontario

Move right in to this lovely, tidy and easy to maintain raised bungalow with a fully fenced back yard. Main floor features living room, kitchen, dining room, 2 bedrooms and a 4 pc bath. On lower level you find a family room warmed by a natural gas freestanding fireplace, a 2nd bath, pantry/storage room, laundry room plus the ability to make a 3rd small bedroom or den/office if desired. For the hobbyist or someone who loves to tinker is a mancave/workshop that could convert back to a garage. Walkout man door to the paved driveway or access to the house. Great backyard for kids or pets is entirely fenced and nicely landscaped. Dining room offers walkout to tiered deck complete with natural gas barbecue, a gazebo for more enjoyment outdoors and plenty of storage in 2 garden sheds and under the deck. A bonus canvas shed measures 10' x 20'. Located in a great neighborhood and walking distance to the golf course, school and downtown amenities. Close to the new hospital, parks and shopping. Come for a viewing and see all there is to appreciate at 14 Brackenbury Street. (id:22681)

2 Bedroom 2 Bathroom 2000

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$699,000
251 CAPE CHIN NORTH SHORE Road, northern bruce peninsula, Ontario

251 Cape Chin North Shore Road

Northern Bruce Peninsula, Ontario

ATTENTION INVESTORS & COTTAGE SEEKERS! Play, relax and invest amongst the beauty of nature. This property has a proven track record of rental income (over $75K gross both in 2022&2023 - Ask your REALTOR® for additional details!). Cape Chin North is an area of year-round homes and cottages, with the stunning Niagara Escarpment and Georgian Bay located steps away. Many options for you and renters both on site and in the local area for recreation! Enjoy the hot tub, BBQs and roasting marshmallows under the stars. Or, take a hike along the Bruce Trail with its unique landscapes. If you want to cool off, there is public water access steps away! Interested in working while you stay? The Starlink internet ensures no issues with connectivity. This 3 bedroom, 4Pc bath home or cottage is sited on a 75' x 150' property. The exterior is low maintenance - no grass to mow! The home is over 1250sq.ft. in size, with clean modern finishes such as concrete flooring, tongue and groove wood ceilings and laundry facilities. Each bedroom features a vaulted ceiling and ceiling fan. The family can gather to enjoy the large open concept living space with a walkout to the back yard. Built in 2020, this modern styled home provides for energy efficient operations with LED lighting and on-demand hot water. Year-round comfort provided by the propane in-floor heating as well as the AC heat pump unit. The kitchen offers a farmhouse style sink, soft close cabinetry and SS appliances - everything needed to make your guests feel at ease. Added bonus: this property is being sold turn-key, fully furnished & ready for you! Licensing requirements in place for the Municipality of Northern Bruce Peninsula for short-term rental accommodations. Don't delay - get started on your next adventure! (id:22681)

3 Bedroom 1 Bathroom 1254

RE/MAX Grey Bruce Realty Inc Brokerage (Tobermory)

For sale
$789,900
7 SANDY PINES Trail, sauble beach, Ontario

7 Sandy Pines Trail

Sauble Beach, Ontario

BUNGALOW WITHIN WALKING DISTANCE TO SOUTH SAUBLE BEACH Lake Huron. Updated bungalow offers main floor living at its best! Three bedrooms, two bathrooms, a beautifully updated kitchen. The photos speak volumes of the impeccable pride of home ownership in this little beauty. Enjoy morning coffee on your covered front porch over looking the perennial flower beds while enjoying the peacefulness of this little neighbourhood. Or enjoy entertaining in the private back yard on a large entertainment size deck. Or enjoy paddle boarding, fishing or kayaking with in a 5 minute walk to access Silver Lake or if you want to sun bathe and enjoy the pristine shores of Lake Huron you can take a 15 minute walk to south Sauble Beach entrance. (id:22681)

3 Bedroom 2 Bathroom 1300

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$2,850,000
166 ASHGROVE Lane, annan, Ontario

166 Ashgrove Lane

Annan, Ontario

Escape to your own private paradise on the shores of Georgian Bay and exclusive Ashgrove Lane. This stunning custom-built executive home boasts 5000 square feet of living space and is a masterpiece of design and craftsmanship. You are immediately welcomed with breathtaking views of the bay from the Great Room that features expansive windows and cathedral ceiling. Luxurious primary suite with trayed ceiling and patio doors that lead to an expansive deck, perfect for watching the spectacular sunsets. With five bedrooms plus an office, there is plenty of space for guests or a growing family. Additional features include five bathrooms, a triple car garage, and an in-law suite with a kitchenette, providing flexibility and convenience for multi-generational living or hosting overnight guests. Attention to detail is evident throughout the house with quality finishes that must be seen to be appreciated. Lower level offers a full walkout and in floor heating with multiple zones. An amazing waterfront property where memories will be created that will last a lifetime! (id:22681)

5 Bedroom 5 Bathroom 5000

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$899,900
37 GROUSE Drive, oliphant, Ontario

37 Grouse Drive

Oliphant, Ontario

Discover the epitome of elegance at 37 Grouse Drive Bungalow with 3bdrms, 2bth, on The Bruce Peninsula. Nestled on a 1.5-acre estate in a serene cul-de-sac. This exquisite bungalow, built in 2008, boasts a meticulous design with high-end finishes throughout. Featuring 3 bedrooms and 2 bathrooms, this home is perfectly suited for retirees and families alike. Interior Highlights a front family room & a great room with an open concept to the rest of the main floor space. Soaring 16-ft cathedral ceilings with remote-controlled blinds, seamlessly integrated with the kitchen. Lg Kitchen with Mennonite-built cabinets, Corian counters, large island with seating, walkout to a side covered deck. Primary Suite pleases you with a luxurious 4-pc ensuite with claw-foot tub, WI shower, & custom WI closet. Additional Features: Oak hardwood floors, expansive laundry room with garage access, and efficient main floor living. Attached Garage is spacious 30x40 ft with 12-ft ceilings, infloor propane heating, and three overhead doors (two 8x12 ft, one 10x10 ft). Workshop and Storage: Detached 21x26 ft workshop and a 12x12 ft shed enhances utility space. Design and Comfort: Recent exterior update with 2-year-old siding, features stunning fusion stone, front deck has side wrap around access into the kitchen/dining area, complete with aluminum railing. Back yard patio with gazebo, firepit for family gatherings and creating memories. Location Benefits: Situated just 10 minutes from essential amenities such as banks, hospitals, and grocery stores. The community-focused neighborhood offers a peaceful lifestyle with no traffic, perfect for families and active retirees. This property not only provides luxury and comfort but also the convenience and tranquility desired by those looking to escape the hustle of city life. With its spacious grounds, modern facilities, and community atmosphere, 37 Grouse Drive is more than a home – it’s a lifestyle. (id:22681)

3 Bedroom 2 Bathroom 1832.5500

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

For sale
$1,099,900
332 RIDGE Street, port elgin, Ontario

332 Ridge Street

Port Elgin, Ontario

This brand new home is ready for immediate occupancy; featuring 1672 sqft on the main floor and a fully finished basement with 5 bedrooms and 3.5 baths. The principal room features a vaulted ceiling with tongue and groove ceiling, two 8 foot patio doors that walk out to a deck the runs the entire length of the house; over 40 feet. Flooring includes engineered hardwood, ceramic tile & luxury vinyl, with hardwood staircase to the basement; no carpet in this home, there are Quartz counter tops throughout, shiplap accent walls, and a luxury ensuite. There will be no direct neighbour in the back yard as lot backs onto a drainage swale. The yard is completely sodded. HST is included in the list price provided the Buyer qualifies for the rebate and assigns it to the Seller on closing (id:22681)

5 Bedroom 4 Bathroom 3136

RE/MAX Land Exchange Ltd Brokerage (Pe)

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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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