Guests: Casey Oiness and Colin TippSummaryIn this conversation, Joe, Casey Oiness, and Colin Tipp from Gild Mortgage discuss various aspects of first-time homebuyer programs and down payment assistance options. They clarify that these programs are not exclusively for those buying their first home, as long as the buyer has not owned a home in the last three years. The discussion covers popular programs available in Washington, eligibility requirements, the importance of homebuyer education, and the process of finding suitable lenders. The conversation emphasizes the benefits of these programs and the importance of getting pre-approved to navigate the home buying process effectively.TakeawaysFirst-time homebuyer programs can benefit those who haven't owned a home in the last three years.Down payment assistance programs are available for various income levels.Home Advantage program is popular for buyers with good income but limited savings.FHA loans allow for a lower down payment of 3.5%.Eligibility for programs often depends on area median income.Homebuyer education seminars are often required for program participation.Lenders may not inform clients about all available programs.Local lenders are typically more knowledgeable about state-specific programs.Pre-approval is crucial before pursuing homebuyer programs.Creative solutions can help buyers navigate their unique financial situations.Thank you for listening to RealTalk! Don’t forget to like and subscribe, and follow Joe on Instagram (@seattlesagent) for the latest videos. And don’t forget to check out The Seattle Experience with Joe Sheldon podcast on YouTube or your favorite podcast app. For more information about Joe, or to work with Joe, visit www.myseattlesearch.com.