We’ve all heard that you need to have at least a 5% down payment in order to get a mortgage. But did you know that there are a variety of options available when you find that perfect home but still need time to save up for a down payment? You’ve found your dream home It’s what you’ve always wanted. Great design, great community, great price. You just found it a little earlier than expected and you don’t have the down payment for it. No need to wait It’s time to take advantage of low interest rates and affordably priced new homes. There’s no need to wait on starting the home buying process. We have many options and tools to help you on your way. Buy your home. Save for your down payment.