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Buying a house with no money down in the US with Lead Smart Homes

The number of people buying their first home in the US has fallen tremendously. The people don’t have enough money in their saving accounts to pay for the down payment which is needed to qualify for the mortgage. The other thing that people believe is that they are required to pay only 20% of their mortgage as the down payment. However, this is a myth. Here are some options which will help you to get the answer of the question How to buy a home with no money down ?

• USDA zero down payment mortgage program
This program is for the support of rural development. The US Department of Agriculture has created a zero down payment mortgage scheme which aims at the people of low to moderate income group. The mortgage insurance premium programs are no money down mortgage available in the country. The MIP of USDA loan is .35% and the loan offered by the Federal Housing Administration is 0.85%, therefore MIP of USDA loan is low as compared to the Federal Housing Administration.
• 100% Home Loan Financing Offer of the US Department of Veterans Affairs
The US Department of veteran affairs offers the home loan to their members buying a house with no money down. The eligible veterans get 100% financing. The Veteran Affair loan is best because it doesn’t require any mortgage insurance; therefore, one can save thousands of dollars in a year. However, you will be required to pay 2.15% of the loan amount which is the VA funding fee. This one-time funding fee is charged to help the program be self-sufficient.
• 100% Home Loan Financing Offer of Navy Federal Credit Union
The members of Navy federal credit Union get the 100% home loan financing, as the first time home buyer. The Credit Union offers no money down mortgage schemes for superjumbo and conforming loans and doesn’t charge the private mortgage Insurance (PMI). The maximum limit for conforming loans is $424100; the loan limit may vary by state and country. Jumbo loans are the jumbo financing and are available up to $1 million.

How to install Windows from a USB

Two ways to install a program is mainly through a USB flash or a CD/DVD, here is how to install windows 10 from a USB flash, because of the fact that most PC ,especially used now, Don’t come with CD ROM or the CDROM of the PC is broken, most people prefer to install windows 10 from their USB flash. Ensure you have a bootable flash drive, You can make your flash bootable by using an app called Rufus. Download it from the internet and connect the USB device to your PC. Once you Open up the app, it automatically reads the USB drive.

Ensure the USB is formatted, click on the CD drive icon, Open the windows file, an click Open.
Now, click start on the lower part of the page. You will get a notification saying all files have been deleted. ISO fileis now being copied, when the the green bar, showing progress, is full. Now the USB can now be used for a Media installation.

Now that you hav made your flash drive bootable, You have to make your PC boot from your Flash drive.

1) Restart your PC
2) Immediately you press restart and it shows you any screen, press “Delete” until it shows you BIOS page.
3) Move with your vertical arrow keys, You would see a tool bar above the page. Switch to boot with your Vertical Arrow kicon
4) You will see a menu, showing Hard drive, CD ROM , Removable disc/the name of your USB. E.t.c Using you +/- key ,move the Hard Drive option to the Top.of the menu
5) Press the F10 Button, a popup comes up asking if you want to save. Click “YEs”
6) You will might see a Blank screen, press any key to continue
7) After setting up the booting process, you will see a page that shows you to choose preferred language ,time format and input method.if it shows you a blank page, Dont press any key ,just wait for this Page.
8) Choose your preferred and press “OK”
9) Then click on install Now.

Follow the step by step process showed on the screen to finish your installation.

click here to get more information how to install windows 10.