They come and Go but We have them
Quite often the biggest factor keeping someone from getting into their new home is down payment and cash to close.
When we are short money we always turn to options like seller paid closing costs or perhaps a gift from family.
There are both Fannie Mae & FHA Options
The borrower can either choose a 2% grant or a silent 2nd mortgage for 3.5%. Depending upon the programs involved there will be a slight pricing adjustment but the borrowers get there home. Down the road if the borrowers wish to refinance the 2nd mortgage lien is paid off