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Timothy Vicsik
RE/MAX 100
South Bend / Notre Dame, Indiana
(574) 329-9587

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Several home ownership programs allow Qualified Buyers to buy a home with Little Or No Downpayment.



You may have owned a home before and are presently renting or maybe you are a first time home buyer and need a way to break into the housing market but held back because you thought you required a $10,000, $20,000 or even more for a downpayment. Well regardless of your present situation, if you want to get into, or re-enter the housing market without having to make a cash downpayment, then these programs may be just what you're looking for.


First Time Buyer Programs:


  • Community Homebuyers Corporation: South Bend program, contact me for program details and eligibility.

  • Indiana Housing Finance Authority: Indiana State program, contact me for complete Qualification and Lender Participation details.

  • First Time Buyer Tax Credit: Federal program up to $8,000, now only available to Military personell through April 30, 2011. For the purpose of this tax credit, a first-time homebuyer is defined as someone who has not owned a primary residence in the three-year period ending on the date of purchasing the home. Married couples are considered first-time buyers if neither spouse has owned a residence in the previous three years.

  • Long Term Resident Home Buyer: Federal program up to $6,500, now only available to Military personell through April 30, 2011. People who already own a home can qualify for the tax credit if they buy another home. To qualify, individuals needs to have owned and lived in their residence for at least five consecutive years in the eight-year period that ends on the purchase date of the new property.




Why pay your landlord's mortgage when you can be building your own equity!

Got questions? Contact Timothy Vicsik at Home Gallery Realtors.

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