(upbeat music)
-: Hi I'm David, this is my favorite loan originator
in the whole world, Katy from Wright-Patt Credit Union.
Katy, let's talk about the money that comes out of pocket
when you buy a home, and it's the down payment.
-: Right, and it can be scary to some people,
maybe they haven't started saving yet.
-: What about people that can't afford
a down payment at all?
Are there assistant programs?
-: There are.
Wright-Patt Credit Union offers access
to down payment assistance programs.
We also offer 0% down programs for veterans,
and for people looking in rural housing development.
-: That's 0% down?
-: Yes.
-: Wow that's crazy.
So what about somebody that doesn't qualify for that,
they just haven't got the money
to put towards a down payment.
-: There's a couple options for down payment.
You can borrow it from a qualifying retirement account
if you have access to that.
You can get it as a gift from a family member,
and we also offer access
to down payment assistance programs.
-: OK, so here's the deal.
Whether you have the money for a down payment,
or you need assistance, or you have a rich uncle
that can gift you the money,
don't let the fear of a down payment
keep you from talking to Wright-Patt Credit Union.
They wanna get you in that home.
Announcer: Save better, borrow smarter, learn a lot.
Wright-Patt Credit Union is making life a little easier.