Jake Emens Avatar

positive review  Working with David and team was actually a meaningful experience for me. They took the time to educate me on the process every step of... [read more]

Jake Emens
Jordan Vega Avatar

Working with Dave Haley was a real treat. I am a first time home buyer and he was beyond amazing at walking me through and... [read more]

Jordan Vega
John Sliwa Avatar

David is just outstanding! He is a very clear and effective communicator and totally transparent throughout the entire process. He also doesn't waste time and... [read more]

John Sliwa
Satit Chiva Avatar

First, I have to say thank you to David and Jan for helping us buying our dream home. You guys are super awesome. Very professional,... [read more]

Satit Chiva
Ang Dear Avatar

Excellent mortgage broker! Explained everything in terms we understood & worked with us. We've worked with mortgage professionals before that have been less than friendly... [read more]

Ang Dear
Jesse Rodriguez Avatar

positive review  David is an expert when it comes to Mortgage Loans, I’d highly recommend you utilize his expertise for your next mortgage!

Jesse Rodriguez
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FHA Mortgage – Gift Funds – Bothell, Mill Creek, Lynnwood WA

Gift funds still allowed for Home Buyers seeking to become a home owner, with home prices that are compared to 2000-2003 prices, and with today’s low interest rates, often times you can get into a home lower than what your rent payments are.

Gift funds can come from family members and all that is needed is 3.5% for your down payment, so if you were to purchase a home for as little as 150,000.00 then you will only need: 5,250.00  as a gift down payment.

There are other ways that you can accomplish this down payment if you choose to not receive a gift from your family, you can take a loan on your 401k up to 10,000.00 when you are a First Time Home Buyer.

When you are ready to go out and begin the home search make sure you have your finances, credit, and employment all worked out, by this I mean get pre-approved before you take the step to go out and look for your home. You must know what your payment and debt to income ratios will be, as well as what you can truly afford.

Buying a home can be easy when you have the right steps done in the right order, believe me, make sure you know what you can truly afford before you go out looking for a home.

Stanwood-listing-003 Who can qualify for a FHA Home loan, just about anyone, you do not have to be a first time home buyer! If you have owned a home before that is fine, you can have one FHA loan at a time, is the main guideline, however some exceptions have been seen before.

So to quickly summarize you can still purchase a home Zero Down* if you do receive a Gift! Should you seek more information and want to know what you qualify for go to the top right side of the website, click “Apply Now” and put David Haley as the loan officer and I will be glad to help you get started to owning your new home!

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