Nancy Cruz - Loan Officer NMLS #2706211

01/29/2026

“You need 20% down to buy a house.” 🤥 -> Lie!

Contrary to popular belief, you don’t need a 20% down payment; you can buy with as little as 3-3.5% down in many cases. There are low down payment programs (FHA (3.5%), Conventional (as low as 3%), and VA/USDA (0%!) that exist to help you enter the market sooner.

20% down: More equity and avoiding private mortgage insurance but less cash for reserves, emergencies, savings, furniture, repairs, etc.

Less than 20%: Helps you buy sooner and leaves extra cash for reserves and investments, but you have to pay private mortgage insurance.

Everyones situation is different but you don’t need to drain your savings to become a homeowner. Don’t let the 20% rule be the reason you wait. Let’s crunch some numbers to see if you qualify today!

Stop waiting, start building your own equity instead of your landlords!💡
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Nancy Cruz NMLS #2706211
Right Step Mortgage LLC | NMLS # 2092323 | www.nmlsconsumeraccess.org | Equal Housing Opportunity | certain restrictions apply, see additional disclosures.
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08/01/2022

Making monthly rental payments may now help you qualify for a mortgage loan!

12 months of consecutive rent payments can help you qualify for a home loan.

07/06/2022

The Connecticut Housing Finance Authority is offering a forgivable 0% interest down payment assistance loan for first time homebuyers!

The Connecticut Housing Finance Authority is a leader in creating affordable housing opportunities for families and individuals in Connecticut.

06/24/2022

Nandini Natarajan, CEO and executive director of the CHFA, said the time to buy a home...

06/15/2022

Lol

06/02/2022

Tenants. 😂😂😂

05/04/2022

Lol 😂 Unfortunately you cannot see any homes until you're pre-approved! (Unless buying with cash) But you can always look out for open houses and attend those. In the meantime, you should speak with a lender to address any credit issues and be advised on how to become eligible for preapproval.

05/03/2022

The number of people — particularly younger Americans — looking for their own apartments is squeezing an already tight housing market. Here is how rents are going up in your area.

04/13/2022

😂 Good one!

02/22/2022

Buying a home can be the biggest decision a person could make. It’s important to understand the process clearly to make the best choice possible! Here’s an outline of the steps to becoming a homeowner!
Feel free to reach out if you have questions!
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