Here's your opportunity to learn how to purchase your first home with Zero Down Payment.  I have taken the time to answer questions I've had from first time buyers over my 22 years in selling real estate such as: What is a Zero Down Payment mortgage? How can I qualify? Will I pay a higher than normal interest rate? What if my credit is less than perfect? My easy to read book will answer these questions and many more.  I wrote this book so you would have a resource guide to lean on while navigating the process of buying your first home.

I am a CERTIFIED FINANCIAL PLANNER™ practitioner and a Chartered Financial Consultant® who has over twenty years of experience helping people in the insurance and financial services arena. I wrote this book because I know people want to do better with their money. They want to make good decisions for themselves and their families. This book is designed to give easy steps to financial success. These steps are not complicated. The basic concepts in this book apply regardless of the amount of money a person has at their disposal. The biggest reason people have financial problems is mismanagement of their money. I'm here to make money management clear, simple, and easy to understand. I want to help you see how useful basic money management techniques can be. I want you to achieve "financial success." Financial success involves properly managing the funds you have and living a life you can afford coupled with a life you desire. This may be one of the biggest and most important steps a person will take in their life! This step will probably have far-reaching benefits. You will likely touch the lives of others who need this knowledge, this information, these principles - parents, friends, children, coworkers, relatives, businesses, churches, couples, spouses, singles, young adults, seniors... This book is for all who want to properly manage their money. This book is for you.