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SHANNON DECKERS

Not Just Another Realtor®

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

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

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

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

YEAR EXPERIENCE

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

SHANNON DECKERS

Why Choose Us

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Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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For sale
$209,900
6 DUNN Street, northern bruce peninsula, Ontario

6 Dunn Street

Northern Bruce Peninsula, Ontario

AMAZING 2.4 ACRE BRUCE PENINSULA BUILDING LOT just around the corner to Lake Huron access. Welcome to your blank canvas for building your dream home, cottage or investment property! Situated at 6 Dunn Street in the very desirable and picturesque Northern Bruce Peninsula, this vacant land offers the perfect setting for your vision to come to life. Here's what this exceptional property has to offer: Property Lines Determined: With clear demarcations, you'll know exactly where your land begins and ends, providing peace of mind and ease of planning. Complete Drainage Plan and Elevations: No need to worry about water management - a comprehensive drainage plan and elevations are already in place, ensuring optimal site conditions. Building Envelope Determined: The building envelope has been meticulously determined, offering guidance and possibilities for your construction project. Architectural Design Drawings: Take advantage of the opportunity to kickstart your project with ease. Architectural design drawings for a stunning 2,000 square foot bungalow have already been developed. These plans are available for purchase upon request, saving you time and effort in the planning process. Whether you're looking to build your forever home, a vacation retreat, or an investment property, this vacant land at 6 Dunn Street provides the ideal foundation for your aspirations. Don't miss out on this rare opportunity to create something truly special in the heart of Northern Bruce Peninsula. Call today to schedule a viewing and start turning your dreams into reality!. Just minutes to Lions Head for shopping, dining, marina and Hospital. about 20-25 minute to Wiarton and 30-35 minutes to the Grotto and Tobermory with lots of opportunity for boating hiking and sight seeing. SORRY TRAVEL TRAILERS ARE NOT PERMITED (id:22681)

Royal LePage Rcr Realty Brokerage (Wiarton)

For sale
$1,799,000
49 GRANT WATSON Drive, tobermory, Ontario

49 Grant Watson Drive

Tobermory, Ontario

Your search for a luxurious waterfront property nestled into the natural beauty of the Niagara Escarpment ends here. Welcome home to 49 Grant Watson Drive in Tobermory. This exquisite property is strategically located on a much sought after road end near Mermaids Cove and the popular Bruce Peninsula Trail access. Enjoy spectacular sunset views from one of two spacious decks, the shoreside hot tub or an enclosed deck side sauna. Just a short walk or a 5 minute drive into the amenities, services and Restaurants of Tobermory Harbour everything you need is here. Enter the double doors into an open concept living space that is perfect for family chefs, entertaining, or quiet evenings near one of the 3 fireplaces this property boasts. The natural light from the floor to ceiling wall of windows looking onto Georgian Bay is breath taking and only one of the water views you and your guests will enjoy from this properties shore side exposure. With 5 bedrooms , 4 bathrooms, main floor laundry and a new lower level in-law suite there is plenty of space for friends and family. Are you looking for a property with some income potential? The lower level with a separate deck and entrance is turn key ready for guests. With ample parking, double wide garage and storage there is room for all and so many possibilities for this glorious waterfront property. Your imagination is its only limit. Call today or book a Showing Time to truly experience the feeling of this incredible home, retirement opportunity or recreational space. See you on The Beautiful Bruce Peninsula soon. (id:22681)

5 Bedroom 4 Bathroom 2464

Shanahan Realty Inc.

For sale
$489,000
PT LT 15 CONCESSION RD 21, georgian bluffs, Ontario

Pt Lt 15 Concession Rd 21

Georgian Bluffs, Ontario

42 plus acres of mixture of hardwood and cedar bush - located on a year round municipal road and just a short distance to Wiarton and approximately twenty minutes to Owen Sound. Tranquil setting for a year round country home. There is a building envelope available for the property through proper application. Some clearing at the front and well treed throughout. There is a shed on the property. Hydro and telephone along the roadside. Property is irregular in size, approximately 194 frontage , approximately 2587 feet to the west side, approximately 3367 feet to the east side and 450 feet to the north side (at the rear of property). Please do not enter the property without an appointment and without your REALTOR®. (id:22681)

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$179,000
PT LT 14 GREY ROAD 1, georgian bluffs, Ontario

Pt Lt 14 Grey Road 1

Georgian Bluffs, Ontario

Lovely treed lot with views of Georgian Bay. Located north of Owen Sound on scenic Grey Road 1, which follows the shoreline of Georgian Bay, is this 100' x 600' rectangular lot. With a variety of trees, there are lovely building spots as property slopes up to a hill at the back. Natural spring on property. Shoreline residential zoning and EP zoning. (id:22681)

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$449,900
687 BRUCE ROAD 13, saugeen indian reserve #29, Ontario

687 Bruce Road 13

Saugeen Indian Reserve #29, Ontario

ABSOLUTELY SPECTACULAR WATERFRONT LEASED LAND COTTAGE! This distinctive 3 bedroom/1 bath Lake Huron cottage is situated on a fantastic private lot with breathtaking sunset views and gorgeous perennial landscaping! The well-appointed cottage was extensively renovated throughout in 2017 and offers a ton of noteworthy features, including; new wide plank laminate floors, fresh paint, new kitchen cabinets with breakfast peninsula, custom blinds on all windows and doors, forced air propane furnace with central air conditioning, updated 100amp breaker panel, open concept layout with great flow to the huge partially covered lakeside deck, plenty of windows creating unobstructed West views, 2 comfortable guest bedrooms, a tidy 3Pc bathroom with good size shower, and the stunning lakeside primary retreat with a vaulted ceiling, patio doors to the deck and a spacious walk-in closet with built-in organizer. You will be just as impressed with a long list of amazing outside features too; low maintenance exterior with new vinyl siding and new roof (2019), vinyl windows, full concrete foundation, attached pump house with UV light and filtration system, large storage shed (2016), 80ft drilled well (2020), New septic system (2021), and crushed gravel drive with plenty of room for vehicles. Enjoy every ounce of outdoor space from the front BBQ deck, to the partially covered back deck, or the cantilevered sunset deck with glass panels making for endless panoramic views, and a solid set of stairs down to the secluded stoney beach below. This cottage comes turnkey with appliances/BBQ, and quality indoor & outdoor furnishings…What you see is what you get! Great location just a 5 minute drive to shopping/dining and sand beach in Southampton, or 10 minutes to action packed Sauble Beach. Pride of ownership is evident everywhere you look. Very seldom does a cottage of this quality come on the market! (id:22681)

3 Bedroom 1 Bathroom 1012

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$549,900
120 LAKE Road, georgian bluffs, Ontario

120 Lake Road

Georgian Bluffs, Ontario

Imagine water access at an incredible place to enjoy your weekend. That’s 120 Lake Street! This property is only a 1-minute walk from the clear and clean waters of Georgian Bay. Picture yourself coming home after a full day of paddling, boating, fishing, and swimming to relax on the deck overlooking this property’s lush greenery. End the perfect day with a bonfire at the ready-to-use outdoor fire pit. Close to all the amenities, Wiarton is less than a 5-minute drive away. This large corner lot provides plenty of privacy with a spacious yard perfect for pets or kids to play. Also, this property offers a detached garage with a large parking pad and hook-up for a trailer - all included! Inside is a bright kitchen, ready to entertain. The cozy living room has a gas fireplace to keep warm in the winter, with beautiful big windows to keep cool in the summer! Retreat to the comfortable and quiet bedrooms for a place to rest after a full day at the water, right next to the updated full bathroom. Feel right at home while enjoying all this property has to offer, whether it’s a year-round home or a seasonal cottage. Currently being run as a successful short-term rental, this property is a great investment opportunity! Garage 16x21.6. Storage shed 6.6x8. Garden shed 7x7. (id:22681)

2 Bedroom 1 Bathroom 641

Keller Williams Realty Centres

For sale
$350,000
PT LT 40 OSPREY ARTEMESIA Townline, grey highlands, Ontario

Pt Lt 40 Osprey Artemesia Townline

Grey Highlands, Ontario

This sprawling 6-acre parcel is tucked away on a quiet gravel road, offering the perfect blend of tranquility and accessibility. Surrounded by a forest backdrop, this property invites you to unwind and reconnect with nature. With its rural zoning permitting various options, obtaining building permits for your new home is a straightforward process, offering flexibility and ease in realizing your vision. With the potential for a walk-out basement, you can seamlessly blend indoor and outdoor living, creating a space that harmonizes with the natural surroundings. Imagine starting your day with the sound of birds singing as you savor your morning coffee. Positioned at the heart of recreation, this gem offers an array of outdoor pursuits mere moments from your doorstep. Whether its winter adventures like skiing and snowmobiling, or exploring hiking trails and biking routes through the changing seasons, there's never a dull moment for outdoor enthusiasts. Plus, with easy access to fishing spots and boating havens, every day holds the promise of new adventures. Designed for those seeking a bit of breathing space, this property ensures privacy with ample distance from neighboring homes. Enjoy the luxury of having a little elbow room while still maintaining a sense of connection to the surrounding area. Embrace the opportunity to create your own retreat while enjoying easy access to amenities and activities that enrich your lifestyle. (id:22681)

RE/MAX Summit Group Realty Brokerage

For sale
$200,000
28 ROGER'S Crescent, hepworth, Ontario

28 Roger's Crescent

Hepworth, Ontario

Welcome to Rogers Cres! This extraordinary property offers an idyllic riverfront lot, nestled amidst a lush canopy of trees, and is just moments away from the pristine sandy shores of Sauble Beach. The rectangular lot, boasting an impressive 60 feet of waterfront along the Sauble River. Conveniently situated a mere 20 minutes west of Owen Sound and 20 minutes south of Wiarton, this location presents an ideal opportunity to explore the breathtaking wonders of the Bruce Peninsula. Don't miss your chance to seize this remarkable property where the possibilities are as vast as the natural beauty that surrounds it. (id:22681)

Century 21 In-Studio Realty Inc.

For sale
$599,900
43 SHORELINE Avenue, oliphant, Ontario

43 Shoreline Avenue

Oliphant, Ontario

Picture yourself unwinding in the fishing hamlet of Oliphant, where summer dreams come to life in this rustic 3-bedroom cottage – a cherished family gathering place now seeking new memories and adventures with you. Tucked just a stone's throw away from the glistening waters of Lake Huron and its one-of-a-kind sunsets. This charming find invites you to write your own story in a setting brimming with history and charm. In addition to its welcoming location, the exterior requires minimal maintenance and the interior is cottage chic. A cozy living space bathed in natural light, offering a bright and airy escape to relax and reconnect with loved ones. The kitchen may be small but it is functional and opens to the dining and living room area which is a cozy living space bathed in natural light. The main level bedroom, thoughtfully repurposed for comfort, provides a peaceful sanctuary for relaxation and rejuvenation. Ascend the staircase to find a 3-piece bathroom midway, leading the way to two bedrooms on either side. Waterfront traveled road between. Just a leisurely stroll from the Government dock, this cottage is perfectly positioned for endless days of lakeside adventures and exploration. Embrace the simple joys of cottage life and create lasting memories. Step into the magic of Oliphant and let this cottage become your own haven for relaxation, rejuvenation, and cherished moments with family and friends. Start your next chapter in this idyllic Lake Huron escape where every day holds the promise of new beginnings and treasured experiences. (Waterfront traveled road between) (id:22681)

3 Bedroom 1 Bathroom 809

RE/MAX Grey Bruce Realty Inc Brokerage (S.b.)

For sale
$949,900
174 N BASS LAKE Road N, georgian bluffs, Ontario

174 N Bass Lake Road N

Georgian Bluffs, Ontario

Prestigious Bass Lake a calm, crystal clear spring fed lake close to Wiarton and Owen Sound. Relax and enjoy life in this furnished 3 bedroom 4 season home or cottage absolutely gorgeous views from atop the Niagara Escarpment. Located in a very private setting on a generous lot peace and tranquility awaits. Create new summertime memories in this picture perfect setting. Enjoy coffee by the water while watching the sunrise, or cozy up in the cottage for board games and family dinners by the wood burning stove. This property is completely renovated, and move in ready all new, so all you have left to do is dive into the lake and enjoy. With plenty of water sport options, great deck and a wonderful Canada dock system, you'll be ready for hours of fun in the sun. Conveniently located only 2.5 hours from both greater GTA and KW regions, it is a simple drive. If you have been dreaming of cottage life then don't let this one slip by, Bass lake has limited public access for boating providing peaceful days for it residents. Cobble Beach golf resort and Georgian Bay are also only minutes away for your enjoyment. (id:22681)

3 Bedroom 2 Bathroom 1000

Century 21 In-Studio Realty Inc. Brokerage (Sauble Beach)
Royal LePage Rcr Realty Brokerage (Wiarton)

For sale
$699,000
1650 3RD Avenue E, owen sound, Ontario

1650 3rd Avenue E

Owen Sound, Ontario

This is a unique 4-plex containing: 1 - 3 bedroom unit, 1 - 2 bedroom unit, 2 - 1 bedroom units. All 4 units contain a kitchen, bedroom and bathroom. This property is fully rented and all the tenants have expressed an interest in remaining. (id:22681)

7 Bedroom 4 Bathroom 1950

Royal LePage Rcr Realty Brokerage (Os)

For sale
$499,000
163 HENRY Street, meaford, Ontario

163 Henry Street

Meaford, Ontario

CHARM, DIGNITY, CHARACTER AND CURB APPEAL best describes this solid, well-kept older home. Situated on LARGE LOT in a desirable neighborhood with great neighbors. Located in the wonderful Town of Meaford located on the beautiful shores of Georgian Bay, walking distance to local well-known restaurants, quaint shops, Georgian Bay, parks and the Historic Meaford Hall that offers a variety of high-quality entertainment all year long. Approximately 20-minute drive to Blue Mountain skiing, skating, shopping and trails. This home welcomes you with an enclosed three season porch, large foyer, main floor laundry, 2pc bath, sunken eat-in kitchen with walk out to deck overlooking backyard. 2 steps up lead to the dining and living room areas, a wooden staircase leads to the second level that has three nice sized bedrooms and a large 4pc bathroom. This home is waiting for you! (id:22681)

3 Bedroom 2 Bathroom 1507

Ron Hopper Real Estate Ltd Brokerage

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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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