This guide strips away the myths and shows renters how to stop overpaying and start owning—often with $0 out of pocket. You’ll learn: Why you likely don’t need 20% down (and may qualify with just 3%, or none at all) Where to find federal, state, and local Down Payment Assistance (DPA) programs How to qualify even with credit scores as low as 580 How to get closing costs covered—and in some cases, receive money back at closing How to escape the “rent trap” and build wealth through ownership instead of continuing to pay someone else’s mortgage

Yes—especially for renters and first-time buyers who feel overwhelmed or misinformed. It’s written in plain English, no jargon, and walks you step-by-step through what to do, when to do it, and how to avoid mistakes that can delay or kill your home purchase. You’ll also get checklists, scripts, timelines, and a full document prep kit to simplify the process.

Not at all. The entire premise of this guide is showing you how to get into a home without large savings. Some buyers highlighted in the guide closed with under $1,000—and walked away with checks up to $4,800 back thanks to smart use of DPA and seller credits.

If you follow the 90-day plan inside, it’s realistic to go from prequalification to keys in hand within 60–90 days. Some buyers in the case studies closed in as little as 49 days after starting with a 580 credit score and minimal savings.

Absolutely. This guide specifically addresses buyers who: Have credit scores between 580–640 Are 1099, self-employed, or gig workers Think they “make too much” to qualify for help Are worried they’re not the “type” of person these programs are for We walk you through how to qualify and even improve your chances—without scams or expensive credit repair services.

Depends on what you purchase but you may receive a full toolkit to take immediate action, including: 90-Day Homebuyer Action Plan + Tracker ($97 Value), Lender & Realtor Script Vault ($79 Value), DPA Program Finder

Free advice is often outdated, vague, or full of assumptions that don’t apply to your financial reality. This guide is: Data-backed with real case studies and verified numbers Curated for renters and first-time buyers in 2025 Built for action—not just reading It’s the only resource you’ll need to skip months of research, avoid the wrong lenders, and walk away from closing ahead.

While we don’t offer refunds on digital products, most buyers tell us they made back the value of the guide within a few days—either through cost savings, lender selection, or assistance awareness. If you follow the action plan inside, you'll walk away knowing exactly what to do, who to call, and how to move forward—without wasting time or money.