Home ownership is a core value for Gen Z. According to a 2018 survey of renters conducted by Property Shark, more than 80% of participants born after 1995 planned to buy homes by 2023.
Qualifying for a mortgage IS an attainable goal for young adults and it comes with many personal and financial benefits.

Home buyers no longer need to waste a decade or more saving money for a 20% down payment. In some cases, it’s possible to buy a house with no money at all out of your own pocket.

Low Down Payment Options

• Down payments as low as 3% with a credit score of 620 or better.


• FHA loans require only 3.5% down and a 580 credit score or better.


• Down payment assistance programs available.


• VA Loans cover the entire purchase price with no down payment required.

Realistic Underwriting Standards

• Student loan debt may be excluded for some borrowers.


• College attendance can be counted as job history with a current job offer letter.


• Down payment funds can be a gift from family.

If home ownership is important to you, talk to a licensed Boles Group loan officer who will review your financial situation and help you come up with a customized home buying plan.

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Bay Equity Home Loans – Boles Group is a team of lending professionals located in Gilbert, Arizona and licensed to originate home loans for purchase or refinance in nine states (AZ, CA, CO, ID, MN, NM, NV, OR, WA). Boles Group lending professionals have the knowledge and experience to create solutions where other lenders create problems. The team prides itself on responsive, accurate communication and is highly regarded by clients and business associates alike.