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Can't find it on the MLS?

Can't find it on the MLS?

I have access to Pre-Market homes Too!

I have access to tons of homes that are not yet available on the market!

(pre-listed,foreclosures,bankruptcy and others that you can't find anywhere else! (These are special access, so if you must contact me directly with info on your dream home needs)

Boca Raton Buildings along Lake Boca Raton at Sunset, Florida

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The Most Trusted



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Central Florida

Central Florida





"She's not just knowledgeable, helpful and quick witted..she makes it as fun as possible too :)"

- Natalia Lowe

Robert Whatley

Jimmy Mutter and his team were fantastic in their approach to selling my house. Their advice and help were instrumental in a quick sale and maintaining the sale price I was looking for. I would recommend them to anyone looking for a professional team to sell their property.

-Burt Summerfield

Mutter Real Estate Group was fantastic in selling our property. They were very professional and were able to turn around our sale quickly. They were very responsive and knowledgeable as we worked through the process. Prior to selling our house, we used their rental placement services for several years to help us rent the property and they were very effective in getting us qualified renters. Overall, our experience was very positive and we would use them again.

Happy Clients

I had an awesome experience finding my forever home. Mutter Realty has been amazing! I highly recommend them if you are looking to buy or sell your house! Thank you to the whole mutter team! You all rock!

- Elliot Sterling

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How much down payment ? What is required for a house?

Many home buyers think they need 20% down to buy a house. But you can get away with a lot less.

Today’s home loans allow as little as 3% down payment for most home buyers

. And if you meet certain criteria, you might even be able to buy a house with no down payment.

Thanks to these low down payment loan options, borrowers no longer have to save for years and years to afford housing.

In fact, you might even qualify with the money already in your savings account.

5 Main Types of Home Loans

Conventional loan — 3%. Typically backed by Fannie Mae or Freddie Mac, conventional or ‘conforming’ mortgages allow as little as 3% down with a minimum credit score of 620

FHA loan — 3.5%. FHA mortgages are insured by the Federal Housing Administration. They allow a minimum down payment of 3.5% and only require a credit score of 580

FHA 203(k) -offers a specialist loan for those who want to buy “fixer-upper” homes lets you borrow the purchase and rehab costs in a single loan. You get the latter in stage payments or installments (“draws”) as the work reaches pre-set milestones.

VA loan — 0%. VA loans, insured by the Department of Veterans Affairs, do not require a down payment. However, you must be a veteran, active-duty service member, or member of a related group to qualify

USDA loan — 0%. USDA mortgages are insured by the U.S. Department of Agriculture. They allow zero down payment, but you must buy a home in an eligible rural area. You need a credit score of at least 640 and a low-to-moderate income

Jumbo loan — 5-10%. A jumbo loan is a mortgage that exceeds conforming loan limits: currently $726,200 in most areas. A few lenders offer jumbo financing with 5% down, but you’ll often need a 10% down payment or more and a FICO score of at least 680-700

Luckily, you don’t have to go it alone.

There are many different ways to get assistance with your upfront home buying costs.

Here are a few good strategies to explore:

Down payment assistance programs (DPA) — DPA programs are run by state and local governments. They offer cash grants or low/no interest loans to help home buyers cover their down payment and closing costs. Ask your real estate agent or loan officer about down payment assistance in your area

Lender credits — A ‘lender credit’ is when the lender covers part or all of your closing costs. In return, you pay a higher mortgage rate on your loan. This will increase your interest cost over the life of the loan — but in today’s low-rate market, it’s possible to use lender credits and still come out with an affordable loan

Seller concessions — A seller concession is when the seller agrees to cover some or all of your closing costs. This is more common in a ‘buyer’s market’ – when sellers are having a hard time selling homes. But if sellers have the upper hand, sometimes you can offer to pay a slightly higher purchase price on the home in exchange for a credit

Interested party contributions – The seller and lender aren’t the only ones who can give a credit. Your real estate agent, the seller’s agent, the builder, and just about any other party involved in the transaction can contribute toward closing costs up to allowable limits

Down payment gifts — Most loan programs allow you to cover part or all of your down payment using gifted money from a family member or friend. The funds need to be properly documented to be eligible.

Subsidized mortgage loans — Some state and local governments offer subsidized mortgages that come with down payment and/or closing cost assistance for borrowers.

Ask your agent or loan officer about the availability of these first-time home buyer programs

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