Buy with Zero Down
If you can afford $2,500 in rent, then you can afford to buy with 0% down through GSFA.
- GSFA will gift you up to 5% as down payment assistance (DPA)¹
- No interest on the DPA and no need to pay it back after 3 years
- No income limits or first-time buyer requirements for eligibility
WHAT IS GSFA?
Golden State Finance Authority is a California housing finance agency that supports affordable homeownership with down payment and closing cost assistance programs.
THE CATCH?
There is none. GSFA will gift buyers up to 5% in down payment assistance which doesn’t have to be paid back after 3 years and for First Responders & other essential workers, it never has to be paid back.
VA LOAN
Veterans and active-duty military additionally have the option of receiving up to 0% down and zero out of pocket costs with a VA loan.
YOU’RE STILL INCURRING THE EXPENSE OF OWNING A HOME EVEN IF YOU RENT.
In addition to saving money each month, when you trade a rental payment for payments on your own home, you take those monthly expenses you’re already incurring and put them back in your own pocket to build personal wealth.
In addition to saving money each month, when you trade a rental payment for payments on your own home, you take those monthly expenses you’re already incurring and put them back in your own pocket to build personal wealth.
THE AVERAGE HOMEOWNER HAS A NET WORTH 44X GREATER* THAN THAT OF A RENTER!²
Owning also allows you to lock in a consistent monthly payment that isn’t subject to rising rents or the whims of your landlord, with added savings in tax deductions each year.
Owning also allows you to lock in a consistent monthly payment that isn’t subject to rising rents or the whims of your landlord, with added savings in tax deductions each year.
Contact me to learn more about how you can elevate your life and financial situation through homeownership with 0% down.
¹Determination of eligibility for a particular program or exemption is made by the relevant authority. Up to 5% down payment assistance is eligible for conventional loans only. Up to 4% down payment assistance is eligible for FHA, VA, and USDA loans. Min. 640 credit score requirement, conventional loans require 5% down, FHA loans require 3.5% down - relevant authority may provide up to 5% down payment assistance. Please contact our office for more information and specific guideline requirements. Information as of 4/24/2020. ²2013-2016 Federal Reserve Survey of Consumer Finances.
Testimonials
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I can not say enough about jacqueline The selling of my home of 18 years came with a lot of emotions. Jacqueline was there for me and my family the whole step of the way. I worried less because of her ability to problem solve. She also helped me find my rental. Simply amazing in every way.
I look forward to working with her again when I purchase my next home in a few years.
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- Tammy Moore
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Jacqueline was extremely knowledgeable and available at all times. She must have shown us 25 homes or more before we found our dream home. Her patience and perseverance have no boundaries. She listens to her clients and always looks out for their best interests. I totally recommend her to fulfill all of your real estate needs, wants and dreams.
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- Edward Bussey
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Jacqueline was an excellent agent. She was very professional and accommodating to our needs and wants. She was available day, night and weekends. I liked her enthusiasm for trying to help us find the perfect home. When I would stress about certain parts during escrow, she was there to calm my nerves and answer any questions I had. She went above and beyond our expectations! We recommend her 100%!!
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- jacobsrb78
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Jacqueline assisted us, along with her partner Francisca Rio, in selling and buying a house. Both were always available, very responsive professional. They assisted us in so many ways and made the process easy and efficient. We would highly recommend to anyone looking to buy and/or sell a home that they look no further than Jacqueline Screeton and Francisca Rio.
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- Yuval Domb
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Jacqueline was very professional, thorough and helpful. She got the job done. The process was smooth and clear. It was a pleasure working with her.
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- R. Levitt
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Jacqueline was a pleasure to work with on the purchase of my house. You can see how hard she works for her clients, not just to sell but to fine the perfect fit. She does this by getting to know her customer's needs and wants. I would totally recommend Jacqueline to people in the market to sell or buy!
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- S. Murphy
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Jacqueline was fantastic to work with. Her knowledge of the local market is spot on. She was always available to answer any questions and made the process super easy. She not only sold my condo but helped us with renting a house.
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- T. Lenart
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Jacqueline was amazing, she interpreted what we wanted our new home to be like. She found a house for us that after a little tlc is now our home. She was always available, put us at ease during stressful times and just made everything so much better up to our moving day. If we decided to sell and buy a new home we would definitely contact her again.
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- mirozlava
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Jacqueline was very responsive to my needs and always available to answer questions. She is efficient and professional and courteous. Jacqueline did whatever she could to promote the sale of my house. She held numerous open houses as well as private showings. I was always notified of potential showings. She is also a very caring and delightful person and it was my pleasure to work with her.
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- Helen Hsoliani
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Jacqueline was referred to me by one of my neighbors and she was a delight to work with. Having more than a decade of knowledge in the real estate industry as well as in the Orange County area, she helped make the process easier than I was expecting. I would not have trusted just anyone with the difficult task of coordinating the sale of my current home with the seamless transition and purchase of a new one. Every step of the way, I felt Jacqueline had my best interest first. Her goal was not simply to sell my house and to place me in a new one, but to attain the best market price for the old and place me in a new home that was the right fit for me. Jacqueline helped me understand the paperwork, kept me apprised of critical deadlines and last but not least, played the role of counselor many a time. I would refer Jaqueline to anyone who’s ready to sell or purchase a home!
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- M. Vittangelo
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My wife and I had the privilege to work with Jacqueline and her Team to purchase a home in Aliso Viejo, CA. We found her to be exceptionally helpful about real estate in our area. I appreciated her advice and suggestions regarding the different properties we were considering. She helped us to see various options in financing as well. She was there to help and support early mornings and late nights and I wouldn’t hesitate to recommend her to any person who is looking to buy or sell a home. We also found it comforting that Jacqueline was very patient with us. Looking for the "ideal" home for your family just isn't the easiest process for most families. Some may have the perfect kitchen but then the rooms are too small, and others may have the ideal geographical location but have no area views. Every family or couple searching are very different and we are so thankful that we had Jacqueline leading the search for us. We were very pleased!
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- J. Nero
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We loved working with Jacqueline. As first time home buyers, we did not know what to expect. Jacqueline patiently answered all our questions in detail and always responded in a timely manner. She guided as through the process and her knowledge and confidence put us at ease.
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- Christin Logarta
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Jacqueline was such a pleasure to work with. She is the best real estate agent we have ever worked with. Her skill and knowledge of the market is unsurpassed. We sold our listing in one afternoon. I would highly recommend Jacqueline.
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- George & Teri Reynoso
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I met Jacqueline and Frankie at an open house in my neighborhood years ago. We were just being nosey neighbors but we're very impressed by both of their industry knowledge and their success rare in this neighborhood is unmatched. Not to mention their welcoming and warm personalities that make it difficult to not want to work with them. They truly care about their field of work AND their clients. They've always gone above and beyond to assist us and we're by our side during the entire process. Best decision we ever made!
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- Jessica & Tiffany Baleigh
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21 Chamonix, Laguna Niguel Everyone fell in love with my new house and I have you to thank for that" - A Hindez
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It was a pleasure working with Jacqueline. She was professional, personable, and determined from the get-go to help us sell our house and purchase our new one. She was also very knowledgeable, perfectly able to answer all of our questions, and promptly address any concerns we had along the way. Additionally, her knowledge and effective communication with both the sellers and us made for a smooth, successful experience.Thank you, Jacqueline!
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- J. Protapappas
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We began our search in January. Thanks to Jacqueline and Kurt, we found our new house in February. I can’t begin to thank them enough for their dedication and professionalism with us through the entire process. Jacqueline and Kurt both were very reliable and patient from start to finish, and did a particularly good job helping us survive the emotional roller coaster that accompanied the search and purchase process. I rarely hear of realtors that are this awesome, and would HIGHLY recommend that you work with Jacqueline and Kurt. Whether you are looking to buy or sell –they will work hard for you and never make you feel like you are not worth their time, no matter what stage you’re in.
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Jacqueline Screeton was very knowledgeable in showing my place and eliminating extra furniture and articles including my Persian rugs to make the place look bigger and show off my hardwood floors. She put in an extra effort to sell my place in a quick timeframe. She was very honest and knowledgeable about the area and showed a concern with me and the people that came through the house during the open showings.
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- Zuser
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Working with Jacqueline was such a pleasure. She spent countless hours schlepping me around Laguna Niguel until I found the perfect new home for me. When I had a question, she was always quick to respond and her knowledge of the market was amazing. The next time I am in the market to sell my home and purchase another one, Jacqueline will be the first person I call.
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- C. Watson
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My husband already left a review, but I still felt the need to write one to convey my personal satisfaction in working with Jacqueline. From our first appointment, I knew we were in good hands. She has been so supportive and informative throughout the entire process and I appreciated how she kept us updated for each phase and would let us know what to expect BEFORE , so that as things progressed we exactly what to do which was very helpful. Jacqueline is a joy to work with and I would not only recommend her, but she will be who we call whenever we want to sell or buy.
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- C. Nero
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Jacqueline was a very knowledgable, professional and overall great realtor. She guided me throughout the entire process as I purchased my first home. I would highly recommend her to anyone purchasing a home in Orange County, CA.
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- Megan Vick
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Jacqueline was very helpful right from the beginning helping us understand the listing and sales process. We were impressed with her company's wide scope of marketing, including MLS, Internet, beautiful and detailed brochure. As soon as we were ready, open houses were scheduled, broker tours, etc. giving us a lot of immediate exposure. We had two very good offers the first four days on the market. Who wouldn't be happy with that? Very pleased with our 38-day escrow! We would highly recommend Jacqueline.
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- Ruth Kimsey
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We would like to express our deepest appreciation to you for your part in finding us our dream home! We were pretty specific about what we wanted in a house and Jacqueline was extremely good at finding houses that matched what we wanted and was more than willing to show us as many houses as we wanted to see until we found the right one. She kept us in the loop on all aspects of the process via regular emails and phone calls. She was always very helpful and knowledgeable about the area and was able to answer every question we threw her way. She was very personably and thorough in the entire experience. She even read our 2 year old daughter books while we were in meetings and gave us excellent advice on the area and home values and we had every faith in her ability to find us the right house. And she did! The house we bought was more than we could have hoped for and we loved it from the minute we saw it. Jacqueline made the whole process easy and we would highly recommend her to anyone in need for a great realtor. She brought us pizza and champagne in the evening on the day of our move when we were so exhausted and tired to even lift a finger. Thank you so much for that, it means you care! She's a terrific realtor to work with and we count her as a friend forever!! Ameera, Zainab, & Yusuf.
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- Yusuf Barbhaiwala
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My condo sold in seven days, and we found the perfect buyers! Jacqueline helped me prepare the condo so it was a show stopper! She knows the area, creates your own personal webpage, and keeps you up-to-date on other properties entering the market. Jacqueline is professional, friendly, and very experienced in real estate. I am so glad I chose her to put together the sale of my condo.
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- L. Mowers
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Jacqueline was always available to answer questions. We never felt rushed when we had appointments to go over the various processes of moving. She handled everything with professionalism and a sense of humor!
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Jacqueline helped me every step of the way. Especially being a first time home buyer, I had a lot of questions. Jacqueline would make sure I had answers to questions I didn't even know I had! She made sure to stay on top of escrow and any parties needed during the process. Jacqueline would meet me on Sundays, Saturdays, in the evening. She worked around my schedule which was great for me because I have a pretty busy work schedule. Overall, Jacqueline was just a very personable realtor that knew how to get things done, which was what I needed! Definitely recommend her!
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- C. Medina
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We had the daunting task of selling our home and preparing to relocate our family to another country on an ex-pat assignment at the same time. Completely overwhelming for the final four months we had to accomplish both tasks. Jacqueline stepped in and made the house sale the easy part! As a team, she and Kurt literally held our hands - answered our questions, took care of our concerns, made us laugh when we were the most worried, made all the details and the paperwork easy to take care of. When we return to the US in a year, they are who will call but this time, we will be in the role of buyer, not seller.
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In December of 2011 we put our home on the market on a Tuesday and in the same week it sold on Friday. Jacqueline and Kurt's marketing skills were without question are the reason our home sold so fast. Jacqueline and Kurt also assisted in our purchase of a home, in both transactions they were dedicated, professional and made the process a pleasant experience. If you are buying or selling, we 100% recommend Jacqueline and Kurt. –– Mr. and Mrs. Avalos,Â
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I enjoyed working with Jacqueline and having her as my realtor. She was so professional in every aspect of her profession. She helped me decide on choosing what works for me and of course which houses are out of range. Whether it was over the phone, emails, or texting, she was always responsive and on time if I had any questions or inquiries. She just made the whole process from working with my lender, the seller, to the escrow company, very easy and non-stressful. If I had an extra thumb, it would be 3 thumbs up for Jacqueline all the way.
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- R. Franklin
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Jacqueline was an amazing realtor and she really cares about her clients. She is genuine, patient, and was an invaluable part of the home-buying experience!!
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- Dr. Melissa Campitelli
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Jacqueline helped me sell my home very quickly! I am so satisfied with all of her work and the positive energy she put into the sale. She's very talented and will hire her again and again for all of my real estate needs. Thank you Jacqueline for being the best!
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- J. Long
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I found Jacqueline and her partner Bonnie Fass to be personable, professional and attentive throughout the entire process. I would recommend them to others wishing to sell their home.
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- John S. & Sharon D. Brownlee
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Jacqueline and Kirt made our transaction of purchasing a home seamless. In the future when it's time to sell , we wouldn't use anyone else --- Mr. and Mrs. Ohlmeyer
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Jacqueline was fantastic to work with. Her knowledge of the local market is spot on. She was always available to answer any questions and made the process super easy. She not only sold my condo but helped us with renting a house.
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- L. Wettig
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Jacqueline is amazing!! She helped my husband and I buy our first home and was very helpful during the process. She answered all our questions and concerns as we were very new to the home buying process. She was also fun to work with. Her hours were very flexible and worked around us. I believe I even told her I would miss her because she really was great to work with. I HIGHLY recommend her!! :)
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- Jessica Taylor
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Jacquine did a geeat job selling my home. Her most noteworthy strength is responsiveness and followup. She leaves you with a feeling that she has everything under control and there is nothing to worry about, She worked closely with her associate Bonnie Fass and they are a great team. I would defintely recommend her to a friend or family.
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- John Egan
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Jacqueline assisted us, along with her partner Francisca Rio, in selling and buying a house. Both were always available, very responsive professional. They assisted us in so many ways and made the process easy and efficient. We would highly recommend to anyone looking to buy and/or sell a home that they look no further than Jacqueline Screeton and Francisca Rio.
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- Yuval Domb
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Being a novice about selling property, I needed someone that could help me through the process. Jacqueline did just that every step of the way. She was quick to respond to my questions, whether by phone, text or email and her experience was evident as she kept me informed with each development. Jacqueline was kind, courteous and always professional. I strongly recommend her to anyone seeking realty services in the South Orange County area.
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- DP2018
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Jacqueline is a true professional and was extremely helpful. During the entire home purchase process our needs and interest were her main focus. Jacqueline was very easy to talk to, get a hold of and provided excellent customer service. Because of her knowledge and ability she was able to facilate our first home purchase and was able to get us a great deal. The entire process was fairly easy due to Jacqueline's advice and support. I would highly recommend Jacqueline.
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- C. Nero
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She is very professional and always trys to think outside the box and do everything possible to be sure you are getting the very best deal. Her business experience & technical knowledge can better serve your real estate needs. Very happy with her services.!!
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- E. L'cosca
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Jacqueline is a very hard working, knowledgeable realtor. She is professional in her dealings with both buyer and seller, doesn't get ruffled by glitches or roadbumps that can occur in the buying and selling of property. She goes the extra mile, and will help you out with incidentals and needs that are not necessarily in her job description. Highly recommend
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- Helen Woodhall
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Jacqueline is a pleasure to work with and has earned our family’s trust. She responds quickly to any needs and gets to know the needs of the family she is working with.
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- Alexis Martinez
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Jacqueline has helped us sell, buy and then sell again in Aliso Viejo over the years ... demonstrating that we will continue to go back to her for her expertise, reliability, commitment ... and her humor/support too ... especially when the buyers just aren't biting! Next house to be bought? ... calling Jacqueline!!
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- R. Steele
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Jacqueline is a true professional and was extremely helpful. During the entire home purchase process, our needs and interest were her main focus. Jacqueline was very easy to talk to, get a hold of, and provided excellent customer service. Because of her knowledge and ability, she was able to facilitate our first home purchase and was able to get us a great deal. The entire process was fairly easy due to Jacqueline's advice and support. I would highly recommend Jacqueline.
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- D. Moroz
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Jacqueline is an exceptional real estate professional. From the very first meeting she demonstrated that she had the knowledge and extensive experience to execute the sale of my property and achieve the highest sale price the market would support. I had a very short time-frame in which I needed the property to be sold and closed and every planned milestone was met or completed sooner than expected. From preparing and listing the property to the outstanding open houses I always felt that everything was under control. She communicated everything very clearly every step of the way. Within 10 days of listing I had multiple above listing offers to consider and was able to select and close on one of those offers within a few weeks. I feel very lucky I was able to work with Jacqueline and know she is among the very best of her profession. I can't recommend her high enough.
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- Matt Green
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Jacqueline was absolutely amazing to work with. Her and her partner Frankie went door to door for us to find the perfect house, working for an entire 8 months until we found the right place. The market knowledge, area expertise and work effort were impressive to say the least. During the close process, she was there every step of the way to make sure our best interest was being represented. My sister and brother-in-law also used her with the same results and I will recommend Jacqueline to anyone who will listen!
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- Brad Antoine
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25191 Piedra Blanca, Laguna Niguel Jacqueline and Kurt, First, I wanted to thank you both for the easiest home buying experience ever! The transaction went so smooth, it is hardly believable. Thanks for all you guys do! Getting to know you both has been so much fun, you were both so patient, understanding of exactly what we were looking for (and we had quite a list), professional in our representation, and flat out fun friends! Thanks again, D & S Mock
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Jacqueline was absolutely amazing to work with. Her and her partner Frankie went door to door for us to find the perfect house, working for an entire 8 months until we found the right place. The market knowledge, area expertise and work effort were impressive to say the least. During the close process, she was there every step of the way to make sure our best interest was being represented. My sister and brother-in-law also used her with the same results and I will recommend Jacqueline to anyone who will listen!
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- Brad Antoine
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Jacqueline Screeton was very helpful throughout the complicated process of buying a house. She kept us informed of timelines, documents to sign and always "kept us in the loop". Her knowledge and experience were most appreciated.
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- Pau Bodell
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Being a novice about selling property, I needed someone that could help me through the process. Jacqueline did just that every step of the way. She was quick to respond to my questions, whether by phone, text or email and her experience was evident as she kept me informed with each development. Â Jacqueline was kind, courteous and always professional. I strongly recommend her to anyone seeking realty services in the South Orange County area.
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- P. Bodell
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Jacqueline is familiar with the local area and knowledgable in her area of expertise. She was patient throughout the home buying process. She was understanding and accommodating of our purchase budget and considerations. During our house searching process, she was always punctual and always available to answer questions by phone, text or email. In order for us to close in time, she was diligent in following up all closing matters. We would highly recommend Jacqueline as a realtor!! She was so great to work with and we can't recommend her highly enough!!
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- Jenny Morgan
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Jacqueline was very helpful through the entire process. Once she had learned our tastes she was great at finding homes that she knew we would like. She was great at answering any questions I had in a timely manner. She was very flexible while working with my husband and I's complicated schedules. I would definitely use Jacqueline again.
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- B. Scheller
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Jacqueline is very reliable and always available when we need to contact her whether it is by text, email or phone. She made this process easier for us.
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- L. Strodhl
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Jacqueline Screeton gave me a whole new perspective on what an agent can do. Every step along the way, she was accessible, gave good counsel, and followed through on everything promptly. Most of the process was actually fun. I will definitely give Jacqueline's name to everyone I know who is buying or selling a house.
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- Judi Conroy-Lomas
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Jaqueline was instrumental in finding our first home! She is always available and gave us timely and objective feedback. With her, our first-time buying experience was very positive and a success.
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- T. Ivanson
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Jacqueline and Shauna were extremely attentive to all our needs. We are going to refer them to all our friends who are looking to buy or sell.
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Jacqueline is amazing. She is organized, knowledgable, attentive, flexible, accessible, and has integrity. When searching for our home, she looked after our best interest and we never felt pressure from her to buy a home. She was also pleasant and fun which made it easier for us since it took us a few months to find what we wanted (no fault of hers since we were picky on what we wanted). We highly recommend her.
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- Jocelyne Shiromoto
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Jacqueline came recommended to me, and I would recommend her to anyone looking to buy or sell a home! She is very knowledgeable, extremely responsive and an extremely nice person! She was very thorough in explaining each step in the process of selling my home, always on time and always had a resource to recommend when I needed it! I truly enjoyed working with her!!
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- Lindha Merdede
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Jacqueline was an absolute pleasure to work with. She added calm to a normally stress filled process. She consistently went that "extra mile" to be helpful and to ease my concerns with the sale. I highly recommend her for your home selling and buying needs
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- C. Mouton
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36 Old Mission Road, Aliso Viejo Kurt & Jacqueline did a great job selling our home. They were easy to work with and very attentive to our needs. They explained things thoroughly and knew the market well. We loved their personalities and the way they went out of their way to serve & help us. We would recommend them to any of our friends. Tom and Patsy M.
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Jacqueline is an amazing realtor. After touring a few properties together she very quickly figured out what was important to me when looking for a home and helped me narrow my search. She even found the absolute perfect property for me before it was even listed on the market. We visited the property, worked with the owner on a sell price and I'm now the proud owner of the perfect home that meets all my checklist "must haves". Jacqueline listens, does advance property research and is fully prepped for home tours which was important for my busy schedule. She is very responsive to all questions, calls, emails and texts and is willing to spend time explaining the process of home buying. I would recommend Jacqueline all day long. She is definitely going to work hard for you to find and buy that perfect home.
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- Kim Reid
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Jacquline is a very knowledgeable, honest, and patient agent. She has great negotiation skills and considers her client's best interest when making offers and throughout the process. She is very responsive and responsible. I recommend her without hesitation!
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- T. User
Based on information from California Regional Multiple Listing Service, Inc. as of May 7, 2021 6:31 PM UTC This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
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