Episode 4: Government Programs and Grants Available for Home Buyers - Part 2
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In this powerful follow-up episode of RealTalk with Reggie, we dive deeper with mortgage expert Billy to explore special programs designed specifically for public service professionals—like teachers, medical staff, firefighters, and military personnel—who are ready to take their first steps toward homeownership.
We unpack the Homes for Heroes program, unique doctor loan options, and the Maryland SmartBuy 3.0 initiative that can help buyers eliminate student debt when purchasing a home. Billy also breaks down how student loan debt is now calculated more favorably when applying for a mortgage—and why this change could be a game-changer for so many young professionals.
Plus, we clear the air on down payment assistance programs, interest rate trade-offs, and how to strategically refinance using your home’s future equity.
✅ Who qualifies for hero-focused loan programs
✅ How student loans impact (or don’t impact) your approval
✅ Tips for maximizing equity and loan strategy
✅ Why working with the right lender makes all the difference
Whether you're a first-time buyer or a public servant navigating financial barriers, this episode is packed with value and real-life strategies to turn your dream of owning a home into reality.
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