{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Southern Nevada Real Estate Show","title":"Breaking Down Barriers to Homeownership: Kirsi Mbacke Explains Down Payment Assistance, Zero-Down Programs, and Mortgage Qualification for Self-Employed and Tipped Workers","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/31a16ecc\"></iframe>","width":"100%","height":180,"duration":1757,"description":"Regana Kooman-Henry, a real estate agent with Coldwell Banker Premier Realty, hosts a show discussing home buying options with Kirsi Mbacke from the Loan Depot. Mbacke explains that down payment assistance (DPA) programs can help buyers with little savings, often in the form of grants or second loans. She clarifies that traditional mortgages cover the bulk of the home purchase, while DPA covers upfront costs. Mbacke also discusses the misconception that a 20% down payment is required, noting that some programs offer zero down. She addresses qualifying for a mortgage as a self-employed individual, the use of tip income for mortgage qualification, and the importance of pre-qualifying with a lender before house hunting.","thumbnail_url":"https://img.transistorcdn.com/8EeP-OoDjJhR52_Xuf1hFG-Ax5X7NVw6IwEMYRnRVWQ/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzMxODA2LzE2NTY2/MjU4NjItYXJ0d29y/ay5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}