LIVE VIRTUAL EVENT
How Salem First-Time Buyers Are Getting
$20,000+ in Down Payment Assistance
In one evening you'll discover the secrets to Down Payment Assistance programs in Marion or Polk County: the actual down payment rules, the four assistance programs most renters have never heard of, the fine print out loud, and your honest all-in monthly number.
Tuesday, August 4th @ 7:00 PM Pacific
Online
What You'll Learn
Four Programs. One of Them Fits You.
Whatever your situation, there's a door built for it. I'll walk through all four live: who qualifies, what they pay, and the fine print, out loud.
Door 1: Oregon FirstHome
For true first-time buyers. The state puts 4% to 5% of your loan toward your down payment, over $21,000 on a median-priced Salem purchase, and it can cover up to 100% of your cash to close.
Door 2: Oregon NextStep
Owned a home before? You still qualify. The same 4% to 5% help with no purchase price limits, for households earning up to about $125,000.
Door 3: FHA Zero Down
Earn too much for the state programs? This covers the entire 3.5% FHA minimum, up to 5% toward down payment and closing costs. Credit scores from around 600.
Door 4: The DPA Advantage Grant
A straight grant of 2% or 3.5% of the purchase price for educators, medical workers, first responders, civil servants, and military. No repayment, ever. No second loan on your house.
Make the Seller Pay Your Closing Costs
Homes here are taking about 66 days to sell and nearly a third have cut their price. Sellers can legally pay up to 6% of your costs on an FHA loan. I'll show you how to ask.
The 3 Mistakes That Disqualify Buyers
The most common application killers, the things buyers do before they even apply, and how to avoid every one of them.
Meet Your Host
Who's Teaching This (And Why It's Free)
Luis Garibay
Salem's First Time Buyer Specialist
Luis has spent over 10 years helping people in the Willamette Valley do something they didn't think they could do: buy their first home. More than 300 first time buyers have gone from "we're probably not ready" to holding their own keys with his guidance.
As a licensed Principal Broker who built and ran his own real estate company, Luis knows the programs, the lenders, and the negotiation tactics that most buyers never hear about. His clients routinely qualify for assistance they didn't know existed and pay less than they expected to.
He created this webinar for one reason: nobody teaches this stuff, and Salem renters are leaving thousands of dollars on the table because of it.
Success Stories
Join Hundreds of Happy Homeowners
★★★★★
We were first time homebuyers with very little knowledge about how to find the right home for us. We were glad to have chosen Luis as our realtor. He is honest and patient, he really helped take the pressure off us.
Emily G.
★★★★★
Luis is awesome. It was my first time buying a home and he made it easy! Luis is extremely knowledgeable. He was able to answer the many questions I had and give me insight into things I would have never considered
Nathan B.
★★★★★
Luis was a great help in my experience as a first time buyer. He was prompt and available throughout the whole process, even traveling in from out of town several times to be present for the showing, inspection, and walkthroughs at times that worked for my schedule.
Emily R.
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Before You Sign That Lease Renewal, Spend One Evening on This
Another year of rent in Salem runs about $18,000. One free hour tells you what your other option actually costs, with real numbers instead of guesses. Built for Marion and Polk County renters who are serious about owning, even if the down payment feels out of reach today.
Free, no cost to you
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