Monica, at RPM Mortgage, has been talking to me about the FirstREX HomeBuyer program.  It is an interesting program that assists buyers with down payments. It is not a loan but rather an investment in your property from the program.  The program are looking at the long term growth of your property, so that when you sell it they take a portion of the profit.   If you sell at a loss, they take the loss as well.  This is a great for first time buyers who do not have the down payment saved up or for experienced buyers who want to diversify their investment. Contact Monica or myself for more information!