In the past, we all got to the closing table, took a quick look at the closing documents and watched as our clients nervously signed their life away.

Now there is time for them to breathe and make adjustments where needed.

TRID: Truth in Lending Disclosure Act now gives your clients time to review the Closing Documents before they sign.

Clay and John at Castle & Cooke Mortgage touch on the myth that people do not need as much down as they think.  There are so many loan programs out there that they should be able to fit just about any need your clients may have.

The 3 1/2 % downpayment may be gifted from certain close relatives and employers under certain conditions.

FHA is so much more friendly when it comes to derogatory events such as bankruptcy, foreclosure and short sale than any other loan program.  Your clients just might be in a better position to buy than they realize.

Clay and Cheryl discuss FHA Loans and non-occupant co-borrowers without changing the interest rate.  Imagine if your clients could purchase a duplex or four-plex.

Low down payment programs that used to be just for FHA can now be used with conventional loans.  100% of the down payment can be gifted.  Check with the lender for specifications.

How do you help your clients stand out in a multiple offer situation? If you don't have to have them ask for help with closing costs this could make the difference.

Cheryl and Clay talk more about Down Payments and the myth that you need to have 20% down to get into a home and some of the local grant programs that can help your clients get into that home they want.

Clay and Cheryl talk about down payment assistance programs and misconceptions.

What are some of those programs? Learn all you can from your favorite mortgage professional.