Peter & Grace were naïve 1st time homebuyers who didn’t know where to start. They had a 1 yr old son and another baby on the way, so they knew they would quickly outgrow their small space. Since they barely had a 3% down payment, they were concerned about the mortgage insurance (MI) that they would have to pay—they had heard that you need 20% down to avoid MI. I introduced them to a great lender, Jimmy Wakimoto, who showed them 3 different loan programs where they could pay as little as 3% down and still avoid mortgage insurance completely! They were searching for a home during one of the most competitive times of the year, but I included Peter and Graces’s own handwritten letter with our offer to make it just a little more personal. The sellers connected with Peter and Grace’s story and our offer was accepted over higher priced bids! The best part was that their new place was around the corner from Grace’s parent’s place.
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