On top of that, the housing market was booming and prices were increasing by 10% each year. By the time we saved up enough cash, we would be buying the same house for about $140,000 more. There had to be a better way Motivated by our own frustration, we stumbled upon a life changing opportunity which enabled us to achieve our dream of homeownership that same year. We were able to buy our first home with: No money down (100% loan to value) No closing costs No Private Mortgage Insurance (PMI) No points or application fees No creative financing tricks, interest only loans, or seller funding An interest rate 1% below the market rate It may sound too good to be true, but the fact is we got the keys to our beautiful new home after spending only $485 out of our pocket. More importantly, I m going to show you exactly how we did it so that you can also achieve the dream of home ownership while keeping your money in the bank. Ron, I have worked in the mortgage business for several years and have personally bought and sold four homes. Even with my background, I learned some things fro...