Don’t have enough for the down payment?

Is the down payment amount preventing you from buying a home? Be creative, and the down payment becomes only a small part of home buying process.

• Get a loan from a family member.
• Ask for a gift amount from parents.
• Buy the property together with a relative or a friend.

Also, sometimes you may not need to start with a big home where the down payment and mortgage payments are too much for you to handle. Remember that apartments and homes come in all shapes and sizes. As long as you can be flexible, it can work out.