When you get a mortgage to buy a house, you still need to have your own money to cover some additional costs. Many buyers don’t have that amount of cash on hand, and although they could afford the monthly mortgage payments, they can’t buy the house because they lack enough cash savings today.

Down Payment Assistance Programs help with this issue. Both the State & the Fed Govt have programs to help you with this issue. They can loan you some or all of your Down Payment requirements. Amy Bonis is one of the few lenders offering access to these fantastic programs.