Most agents think they know how down payment assistance works — until their deals fall apart at the last minute.
Here’s the truth: most local and “too-good-to-be-true” DPA programs never close. But in this video, I’m revealing the only national programs that consistently fund — and how I help buyers close with as little as $1,000 out of pocket.
You’ll learn:
✔️ The 3 most reliable down payment assistance programs in 2025
✔️ How to combine DPA with seller concessions for zero upfront cost
✔️ Which documents and timelines matter most (and what can kill your deal)
✔️ The biggest mistakes agents make — and how to avoid them
00:00 – Why your buyers keep getting priced out
00:17 – The truth about DPA programs that actually close
01:02 – Reliable national programs: Shenoa, NHF, Arrive
02:48 – Good Neighbor Next Door program overview
03:21 – Income & property restrictions explained
04:48 – FHA vs. conventional for DPA use
05:19 – Required documents & timelines
05:45 – Homebuyer education: what to know
06:50 – Timeline expectations (realistic: 21–30 days)
07:02 – How to stack DPA with seller concessions
08:00 – Common pitfalls and how to avoid them
09:30 – Personal story: how DPA helped a client buy with $0
10:24 – Final call: don’t lose qualified buyers — connect now
Are you a first time home buyer? I may have a solution using down payment assistance programs! I'm sharing the programs that actually fund reliably, helping first time home buyers achieve their dreams. These programs can offer real estate investing opportunities.
I'm Ella Gurfinkel, a Senior Loan Officer at Fairway IMC, and since Valentine’s Day 1996, I've been helping clients to achieve the cornerstone of the American dream - Homeownership. I take the time to find solutions for the most complex situations, even if it consists of 1,000 pieces.
Stay up-to-date on the latest news! Like, share, and subscribe to my videos.
I am here if your home loan questions need answering.
Website: https://www.fairwayindependentmc.com/lo/ella-gurfinkel-188161?nmls=188161
Facebook: https://www.facebook.com/TeamEllaPortland
Instagram: https://www.instagram.com/TeamElla_Fairway
LinkedIn: https://www.linkedin.com/in/ella-gurfinkel/
This Channel has been created to make your home purchase (or refinance) easier and simpler. To help you avoid making mistakes in this sometimes crazy process and to simply answer the questions you may be too afraid to ask!
Ella Gurfinkel | Senior Loan Officer | NMLS 188161
503-358-7769 | ella.gurfinkel@fairwaymc.com | www.teamellaportland.com
FIMC NMLS 2289 | 6650 SW Redwood Ln Suite 215, Portland, OR 97224
This video link: https://youtu.be/K5K9L2Rf3nI
#EllaGurfinkel #mortgageBroker #PaymentAssistance