In today’s real estate market, many buyers feel stuck on the sidelines, watching as home prices rise and opportunities slip further out of reach. The biggest hurdle? Saving for a down payment. According to recent studies, the average homebuyer spends nearly 7 years saving just to afford a modest down payment. Combine that with rising rent costs and current mortgage rates, and the path to homeownership can feel like an uphill battle.

But here’s the good news: The Sherry Riano Team has a solution. Our NEW down payment assistance program, ZeroDown Advantage. It is here to break down barriers, making homeownership not just a dream but an achievable reality.

The Challenges Buyers Face in Today’s Market

Before we dive into the details of our program, let’s look at what today’s buyers are up against:

1️⃣ Down Payment Struggles: With rising home prices, even a small down payment can mean tens of thousands of dollars. For many, this makes saving while paying rent an impossible challenge.

2️⃣ Rising Rents: Rental costs continue to increase, making it harder for renters to save for future homeownership.

3️⃣ Competitive Market Conditions: Buyers without large cash reserves often lose out in competitive bidding wars to those who can make larger offers or cover closing costs.

4️⃣ Misconceptions About Mortgage Options: Many buyers believe they must have a 20% down payment to purchase a home, which isn’t the case.

The bottom line: Buyers need creative, flexible financing options that can help them overcome these obstacles without years of waiting.

Enter the ZeroDown Advantage Program

At The Sherry Riano Team, we’re thrilled to introduce a game-changer for buyers who want to turn their homeownership dreams into reality sooner rather than later.

Here’s what makes this program stand out:

• 100% financing possibilities
• A minimum credit score requirement of just 680
• Eligibility for manufactured homes
• Second lien options of up to $25,000

This isn’t just a loan program—it’s a solution designed to meet the needs of today’s buyers in an evolving market.

How This Program Helps Buyers

This program isn’t just about financing a home—it’s about empowering buyers.

• Move Sooner: With a minimal down payment holding you back, you can stop renting and start building equity faster.
• Keep Your Savings Intact: Instead of draining your savings for a massive down payment, you can preserve your funds for other important expenses, like home improvements or emergencies.
• Flexibility for Unique Situations: Whether you’re purchasing a manufactured home, need assistance with closing costs, or have other specific needs, this program offers options that work for you.

Why Realtors Should Pay Attention

Realtors, this is the kind of program that can make your listings accessible to a larger pool of buyers. By partnering with The Sherry Riano Team, you’ll have access to marketing materials, program insights, and the expertise needed to help your clients navigate the home-buying process.

• Close Deals Faster: Buyers who qualify for this special financing can move forward with confidence, meaning fewer delays and more closed sales.
• Stand Out in a Competitive Market: Offering clients a solution like the ZeroDown Advantage sets you apart as a resourceful and knowledgeable agent.
• Build Trust and Value: Partnering with a lender who provides creative, buyer-first solutions strengthens your client relationships.

Why Work With The Sherry Riano Team?

At The Sherry Riano Team, we’re more than just mortgage lenders—we’re your trusted partners in homeownership. With over 20 years of experience and the ability to lend in most states, we specialize in creative financing solutions tailored to each client’s unique situation. Our goal is simple: to make the home-buying process as smooth, transparent, and stress-free as possible.

Ready to Learn More?

If you’re a buyer dreaming of owning a home but struggling with the down payment, don’t wait another day. Visit www.thesherryrianoteam.com to reach out and start the conversation today.

For our realtor partners, we’re here to help you market this program to your clients. Reach out to us for marketing materials or to schedule a consultation—we’d love to collaborate and help you grow your business.

Let’s work together to make homeownership a reality for more buyers. Because at The Sherry Riano Team, we don’t just close loans—we open doors.

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