Buy A Home - Civil Servants

We are pleased to announce The Buy A Home - Civil Servants 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 WITH HOMEOWNERSHIP IS OUR FAVORITE THING

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

We understand the Home Buyer. We listen to your needs and challenges, and finally meet those challenges with products, services, and resources unmatched in quality and functionality.

Our program consist of a simple 3-step process:

Educate - You will learn how credit works, what mortgage lenders look for in a borrower, and the steps involved in the home buying process.

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

Execute - Our Realtors and Mortgage Broker walk you step by step through the entire process from start to finish. Our Buyer Specialist will assist you with locating a home that meets your needs, negotiating the contract and overseeing the transactional details. Our Mortgage Broker will handle the financing of your new home by locating the best loan to meet your personal objectives-be it low interest rate, low monthly payment, or down payment assistance. Culminating in you reaching your ultimate goal of becoming a homeowner.

If you are ready to learn more about the Bliss Life Civil Servants Home Buyer Program, 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 a 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 see if 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 it's 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 than 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 preapproved. Being preapproved allows you to shop with confidence.