Put 3.5% Down, And Get All The Closing Costs
Gifted To You!
And enjoy a 30 yr fixed low interest mortgage!
The 3.5% Down Payment Program offers you a way to buy a home with a low down
payment and getting the Closing Costs (normally about 6% of the loan amount) gifted to
you, that otherwise you would have to pay yourself. You may have owned a home before
and are presently renting, or are a first time homebuyer and need a way to break
into the housing market but have held back because you thought it required a substantial
down payment. Or you may be in the position where you do not want to liquidate your
financial assets to use to purchase a home.
Regardless of your present situation, you want a way to get into or to re-enter the housing
market without having to make a substantial cash down payment. The 3.5% Program may
be just the answer you need. Here's what is required to qualify for this program.

Alex Baglioni & Team RE/MAX Partners Toll Free: 866-YOU-SOLD Ph: 954-229-0610 Fax: 800-743-1023 Offices in Fort Lauderdale, Las Olas, LightHouse Point, Plantation Pembroke Pines and Coral Springs.
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Program Qualifications
1. Minimum 580 credit score history
2. Limited liabilities
How much more debt you can carry? (ie. present car loan, credit cards, etc.) Your debt
to income ratio should be in line with the purchase price.
3. Employment stability
You will be required to show proof of employment for the past 2 years, and provide your
last two W2’s, your last four pay stubs, and your last two bank statements. If you are self
employed, you will need your income tax statements for the past 2 years, and your
net income on your tax return will be your qualifying income.
4. The financial ability to carry the monthly payments
Under the Terms of the Program You Can Purchase Many Types of
Properties. They include:
- · All single family homes
- · Only loan amounts up to $430,000.00
- Excludes Bank Owned properties and Short Sales
To ensure that you get an accurate picture of what properties may or may not be included in
this program in your particular area, it is advisable to review the terms of the program with Alex
Baglioni.
Benefits of the 3.5% Program
1. 3.5% Down payment VS 20%
Well, with the 3.5% Down Payment Program you don't need a 20% down payment to buy a
home. If you are renting, why pay your landlord's mortgage? Why not reap the benefit of
building your own equity? Are you renting because you are holding back from owning your own
home because you think you need a substantial down payment? The general perception of
many would-be-homebuyers and even that of some Realtors® is that a substantial down
payment is required in order to purchase a home. This is simply not true. Because of this
perception, many would-be-homebuyers feel they have to save for years before they have
enough money for a down payment, so that they can finally enter the housing market. In the
meantime they are filling someone else's pockets before they can start building their own
equity.
2. No Closing Costs!
Get all your closing costs gifted to you! Normally about 6% of the loan amount, these closing
costs can drain your bank account. Everybody has to pay them however, for a limited time
only, you can get them gifted to you and never paid them back!
3. Approved Low Interest 30 Yr Fixed Government Program
It is important to know that the 3.5% Down Payment Program is an approved FHA bank
program. With mortgage guidelines changing peridicaly, apply now before it's gone!
Please call 954-229-0610 or fill out the form below to find out if you are able to qualify for this
wonderful program, while it last.








* In addition to the 3.5% down payment, some fees may apply before closing, such as
appraisal $350.00, inspection report $200 - $350 (optional), and hazard & flood insurance
(0.5% + of the loan amount, depending on the company and coverage you select)