Buy A Home - Civil Servants

We are pleased to announce The Civil Servant Home Buying Program. At the Blisss Life Agency we appreciate all that you do to keep our communities running smoothly.

It is with great pleasure that we bring to you a down payment assistance program, offered by a government entity which you may use to purchase any resale or new construction home. There are no restrictions - you may even purchase a home in need of renovation with a rehab loan.

Eligible Civil Servant Homebuyers

• All civil servants (federal, state, and local municipality). Both current and retired.

• You DO NOT NEED TO BE A FIRST TIME HOME BUYER.

• Primary Residence Only

BUILDING WEALTH THROUGH HOMEOWNERSHIP IS ONE OF OUR FAVORITE THINGS

Our approach is different from the typical real estate agencies. We are focused on real estate education, while working to assist you - our clients with achieving your goals. At Blisss Life you can finance, purchase, sell, and insure your largest financial asset- your HOME.

The program offers a simple 3-step process:

Educate- The homebuyer will learn how credit works and understand what mortgage lenders look for in a borrower.

Empower - Develop a strategic game plan to assist the homebuyer with overcoming credit and down payment challenges and prepare for a home mortgage. The game plan is unique and detailed to the individual buyer(s).

Execute - Our Realtors and Loan Officers will walk the homebuyer through the entire process from start to finish. We will work towards the goal of obtaining a mortgage loan to purchase your home.

If you are ready to learn more, please complete the application below or contact us at 888-828-4889.

Civil Servants Home Buyer Programs

Down Payment Assistance

The cost needed to purchase a home can seem overwhelming. Fortunately, there are several state and federal down payment assistance programs to help with your down payment and closing costs. 

Contrary to popular belief,  you DO NOT need 20% down payment to purchase a home, you can obtain a mortgage with as little as 3% down.

​​​​​​​

Not sure if you can cover your down payment. No problem to see whether you qualify for down payment assistance. Keep in mind down payment assistance is just that assistance you will still need to come to the table with some funds of your own.

Home Buyer Loan Programs

Government Backed Loans

Government backed loans can allow you to obtain a loan with a low down payment, less than perfect, or even poor credit.

These loans usually offer a slightly lower interest rate than conventional loans. We currently offer three government -backed loan options: FHA loans, VA loans, and USDA loans. Each loan program has its own unique set of guidelines.*

Conventional Loans 

Conventional loans typically require a higher down payment, but there are some low down conventional loans, however these loans have income and location requirements. Conventional loans have their own guidelines which are substantially different from government backed loans.

*Lenders have their own set of lender overlays on top of the standard guidelines. Buying a home is a deeply personal experience. Yours will not be the same as your friend or family member.

We are approved with 40+ wholesale lenders.Our mortgage broker will locate the best loan for your unique situation.Before you begin your home search it is best to get pre-approved. Being pre-approved allows you to shop with confidence.

ill locate the best loan for your unique situation.Before you begin your home search it is best to get preapproved. Being preapproved allows you to shop with confidence.