Buy with Zero Down
If you can afford $2,500 in rent, then you can afford to buy with 0% down through GSFA.
- GSFA will gift you up to 5% as down payment assistance (DPA)¹
- No interest on the DPA and no need to pay it back after 3 years
- No income limits or first-time buyer requirements for eligibility
WHAT IS GSFA?
Golden State Finance Authority is a California housing finance agency that supports affordable homeownership with down payment and closing cost assistance programs.
THE CATCH?
There is none. GSFA will gift buyers up to 5% in down payment assistance which doesn’t have to be paid back after 3 years and for First Responders & other essential workers, it never has to be paid back.
VA LOAN
Veterans and active-duty military additionally have the option of receiving up to 0% down and zero out of pocket costs with a VA loan.
YOU’RE STILL INCURRING THE EXPENSE OF OWNING A HOME EVEN IF YOU RENT.
In addition to saving money each month, when you trade a rental payment for payments on your own home, you take those monthly expenses you’re already incurring and put them back in your own pocket to build personal wealth.
In addition to saving money each month, when you trade a rental payment for payments on your own home, you take those monthly expenses you’re already incurring and put them back in your own pocket to build personal wealth.
THE AVERAGE HOMEOWNER HAS A NET WORTH 44X GREATER* THAN THAT OF A RENTER!²
Owning also allows you to lock in a consistent monthly payment that isn’t subject to rising rents or the whims of your landlord, with added savings in tax deductions each year.
Owning also allows you to lock in a consistent monthly payment that isn’t subject to rising rents or the whims of your landlord, with added savings in tax deductions each year.
Contact me to learn more about how you can elevate your life and financial situation through homeownership with 0% down.
¹Determination of eligibility for a particular program or exemption is made by the relevant authority. Up to 5% down payment assistance is eligible for conventional loans only. Up to 4% down payment assistance is eligible for FHA, VA, and USDA loans. Min. 640 credit score requirement, conventional loans require 5% down, FHA loans require 3.5% down - relevant authority may provide up to 5% down payment assistance. Please contact our office for more information and specific guideline requirements. Information as of 4/24/2020. ²2013-2016 Federal Reserve Survey of Consumer Finances.
Testimonials
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When I asked Kelly to find a house for me, I had very specific requirements. I had been looking for awhile with no luck. Kelly immediately found several homes that worked for me, but I still didn't see the perfect home. Kelly kept working and I was always amazed at how he was able to tell me about new listings on the first day it became available. I always felt like I had the jump on the other buyers that may be interested in that house. Sure enough, we eventually found the perfect home. Kelly established rapport with the selling agent, got my offer accepted, and handled the escrow in a seemless and professional manner. In a word - GREAT JOB! Thanks Kelly. I highly recommend you. Bob Coolbaugh
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- BOB COOLBAUGH
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FANTASTIC. Kelly has been our agent for three real estate transactions (two purchases, one sale), and did an outstanding job on all three. He's very pleasant to work with and has a calming demeanor as the unexpected surprises inherent in real estate transactions arise. He excelled at all the things you would demand of a top tier agent, such as listening attentively and showing us properties that matched our search criteria, working diligently, keeping us informed promptly of all progress and developments in the transactions, etc. Most impressive was the fact that he went above and beyond. He put on his workman's gloves and spent an afternoon pruning trees, etc. to prepare our house for sale. He patiently guided us through the process of house hunting and adapted easily as our search criteria "evolved". The list goes on. Bottom line - outstanding agent.
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- Keith England
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Highly likely to recommend
06/25/2015 - blessedxinfinity4813
Bought a Condo home in 2015 for approximately $325K in Orange, CA.
Local knowledge:
Process expertise:
Responsiveness:
Negotiation skills:
As a recently-divorced, single woman, the process of finding and buying a home was a bit overwhelming. From the moment I started working with Kelly, things fell into place and flowed along smoothly and effortlessly. He is very knowledgeable about the real estate market and the business of buying and selling a home. He knew my budget and the importance of working within it, which was very important to me.
Kelly handled all the details of my real estate purchase in a way that made me feel comfortable and at ease. He anticipated potential situations and took preventive measures before they happened. He was right by my side every step of the way, whether it was to review paperwork, answer questions, complete a walk-through, etc.
I know that Kelly was in constant contact with the seller's realtor as well, and he always kept me updated and "in the loop" as to even the most minor details. I very much appreciate Kelly's honesty and integrity, and I will not hesitate to refer him with complete confidence.
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- PEGGY RETA
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Kelly Boulger was very thorough and exceptionally accessible. He took the the time to explain each step in both the home sale and the home purchase process in person and in depth, and was persistent in seeing both processes to the end. Very personable and honest, and a joy to work with.
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- Daniel & Jewell J. Allen
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How likely are you to recommend Kelly Boulger? highly likely Rate Kelly Boulger on specific characteristics Local knowledge: Excellent Process expertise: Excellent Responsiveness: Excellent Negotiation skills: Excellent Summary of their experience: The sale of our home closed in 30 days! One of the smoothest real estate transactions I have experienced. Kelly quickly smoothed out any bumps in the road and is the most responsive agent I have dealt with keeping you informed every step of the way. He is very knowledgable and even helped us relocate to our new home. Even went as far as helping us with a garage sale. I would highly recommend his services. Service provided Helped me buy and sell homes Street address 2300 N Greengrove St, Orange, CA 92865 Year 2016
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- Jeff Blue
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Dear Kelly, Thank you, Thank you, Thank you !!! I can't begin to say thank enough for the time and e4ffort you put in since March 2011 to find a home that is perfect for my kiddos & I ! You were there for us and in our corner the whole step of the way ! We LOVE our new home. Baylee and Braydon love the back yard. All that space to run and play. We couldn't be happier. Thank you!! Deanne K. and of course Baylee & Braydon too!
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Kelly provided sound, knowledgeable counsel and advice throughout the process of selling our house. He was always available and easy to contact. He helped us find resources to make the home sellable and guided us through the process from start to sale. He is a great partner and friend and a valued resource to us.
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- Derry Mellott
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Kelly Boulger is a hard working and honest real estate agent working primarily in the Orange County area for First Team Real Estate.
By combining his skill for understanding the clients'' needs and a solid understanding of today''s current market issues, Kelly has successfully helped many home buyers and sellers. In 2013, Kelly has completed 15 transactions - 6 listings sold and 9 buyer sides.
If you would like your agent to have a straight forward approach, tenacity and integrity, then Kelly Boulger can help you too. First Team Real Estate has been voted the best real estate company in Orange County for 3 years straight. Take advantage of the best and most complete real estate service available. Call Kelly Boulger at 714.269.7089.
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- PEGGY RETA
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How likely are you to recommend Kelly Boulger?
highly likely
Rate Kelly Boulger on specific characteristics
Local knowledge: Excellent
Process expertise: Excellent
Responsiveness: Excellent
Negotiation skills: Excellent
Summary of their experience:
The sale of our home closed in 30 days! One of the smoothest real estate transactions I have experienced. Kelly quickly smoothed out any bumps in the road and is the most responsive agent I have dealt with keeping you informed every step of the way. He is very knowledgable and even helped us relocate to our new home. Even went as far as helping us with a garage sale. I would highly recommend his services.
Service provided
Helped me buy and sell homes
Street address
2300 N Greengrove St, Orange, CA 92865
Year
2016
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- Jeff Blue
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           We decided to sell our house late last year. After we moved out, I began to make repairs, paint and dress up the appearance of the place. We didn’t know who we were going use as a realtor but knew we needed one with all the red tape required in such a major transaction. There were several realtors we were considering.           The work on the house was overwhelming. It was much more than I had ever anticipated. One day another guy came by to say hello and give me his card. I thought, just what I need, another realtor to add to the mix. But I took the time to walk him through the property and show him all I was doing. My neighbor had worked with him years before and told me more about him.           I have had a bad experience with realtors before and determined whoever we use to sell this house was gonna have a rough time with me. A couple days later he came by again asking me if I needed help with anything. As busy as I was, I didn’t have time to try and find the people I needed to help. Kelly set me up with the people I needed for the termite inspections, repairs, cleaning crew, landscaping and other areas of attention. Because of his many years of experience he was able to help us address problems, potential problems, and ‘get ahead of the game’.           When it came time to select a buyer, Kelly had the candidates info organized and laid out in a way that helped us to see our options clearly. He always gave us all the information we needed, but would leave the decisions to us. I valued his opinions because of his experience. He was never pushy, yet he was never disengaged. I feel he had the right temperament to keep us comfortable with him.           We recently signed the papers to open escrow. Everything was smooth because we had done our homework. His experience helped address the problems before they even came up.           I would not hesitate to recommend Kelly to anyone looking to sell or buy. Confidence in a realtor is critical, as buying and selling properties are the greatest financial decisions most of us will make. His experience, expertise and kind demeanor can turn your worries and anxieties about buying or selling into a positive and even pleasant adventure.           Call him when you’re ready to make your move!!!!
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- Bill Moser
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JUNE 22, 2015
DEAR KELLY,
I WANTED TO SAY THANK YOU FOR ALL THAT YOU HAVE DONE FOR ME WHILE I WAS SELLING MY HOUSE. YOUR GENEROSITY AND GIVING NATURE HAS AMAZED ME! I DIDN’T REALIZE THAT SELLING MY HOME AND MOVING TO A RETIREMENT HOME WAS SUCH A HUGE PROJECT. I DON’T THINK I COULD HAVE DONE IT WITHOUT THE EXTRA HELP YOU GAVE ME. I AM TRULY GRATEFUL.
YOU DID A GREAT JOB IN PREPARING MY HOME FOR SALE – AND IT PAID OFF WITH 13 OFFERS! YOU WEREN’T KIDDING WHEN YOU TOLD ME THAT YOU COULD ATTRACT A LOT OF BUYERS. ALL THOSE BUYERS HELPED TO DRIVE THE PRICE UP AND YOU ENDED UP WITH $35,000 OVER MY ASKING PRICE. AS YOU KNOW, I REALLY NEEDED THAT EXTRA CASH.
BUT, BESIDES SELLING MY HOME AND GETTING TOP DOLLAR, YOU WENT ABOVE AND BEYOND FOR ME PERSONALLY. THANK YOU SO MUCH FOR TAKING ME TO THE GROCERY STORE, THE DOCTOR’S APPOINTMENTS, TO GET A HAIRCUT, TO THE BANK, AND ALL THE OTHER ERRANDS YOU HELPED ME WITH.
ON TOP OF THAT YOU HELD TWO GARAGE SALES FOR ME AND GOT ALL THAT EXTRA CASH FOR ME. YOU FOUND A PLACE FOR ME TO LIVE AND YOU MOVED ME. YOU ALSO HELPED CLEAN OUT MY HOUSE, AND THAT WAS NO EASY CHORE. I CAN’T BELIEVE HOW MUCH TIME YOU SPENT HELPING ME!
KELLY, I DON’T THINK VERY MANY REAL ESTATE AGENTS WOULD HAVE DONE ALL THE THINGS THAT YOU HAVE DONE FOR ME. I HOPE I CAN RECOMMEND YOU TO SOMEONE ELSE SOMEDAY. UNTIL THEN, I WANT YOU TO KNOW THAT I AM VERY GRATEFUL AND THAT I VALUE YOUR FRIENDSHIP. I ALSO WISH YOU CONTINUED SUCCESS.
SINCERELY,
JAMES DALEY
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- James Daley
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Kelly was a great agent! Good communication, honest! and on time for every appointment!!! You won’t go wrong choosing Kelly!!
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- Marek & Terresa Moritz
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