You don’t have to wait years to save 20% to buy a home in Las Vegas you may be able to do it with just 3% down.
That’s why the Nora Aguirre Team created an exclusive program: Homes Without Barriers, designed to help you take advantage of the market without waiting so long.
More than just telling you if you qualify, I want to guide you so you understand where you are now and what steps to take next.
What Is the Exclusive Homes Without Barriers Program?
This exclusive program lets you buy with just 3% down:
- Your first home
- A second home
With fewer requirements, a fixed interest rate, and the chance to save thousands of dollars.
Who Can Qualify to Buy a Home with Just 3% Down?
The exclusive Homes Without Barriers program is available for buyers who have:
- A credit score of 660
- Debt payments that are less than half of their income (debt-to-income ratio, DTI)
- A 3% down payment
- At least 2 years of steady work or verifiable income
How to Know If You Qualify: Documents You’ll Need
If you’re an employee (W-2)
- Valid ID (driver’s license, passport, or ITIN)
- 2 recent pay stubs
- 2 bank statements
- Last year’s tax return
- Last year’s W-2 form
- Proof of address
If you’re self-employed:
- Valid ID (driver’s license, passport, or ITIN)
- Tax returns from the last 2 years (Schedule C or 1099)
- Two bank statements
- Proof of income
- Proof of address
What Are These Documents For?
These documents help determine how much you earn, what you can afford, and whether this program is a good fit for you.
Keep this in mind:
If this program isn’t the right fit for you right now, there are other options that may better match your situation.
If you already have these documents ready, the next step is prequalification.
You can call, text us, or schedule an appointment at 702-910-9011.
What Makes the Homes Without Barriers Program Unique?
What makes this different from other 3% down programs is the extra benefits it offers:
- 30-year term with a fixed 6% interest rate.
- No private mortgage insurance (PMI), helping you save thousands of dollars.
- Approval with just 1 year of tax returns.
- Can be used to buy your first home or a second home.
- If the home costs $300,000, you can save about $3,000 in closing costs
Homes Without Barriers: Is It the Best Option?
At Nora Aguirre Team, we believe there’s no one right answer because every financial story is different. Let us get to know yours.
Nora Aguirre explains more details about the exclusive program to buy a home with 3% down and no mortgage insurance — available with ITIN, SSN, DACA, or TPS.
Common Questions About the Homes Without Barriers Program
What Is a 3% Down Payment on a $400,000 Home?
Which States Offer the Exclusive Homes Without Barriers Program?
If your area isn’t on the list, contact us we’ll look at similar options.
- California: San Francisco, Alameda, San Mateo, Santa Clara, Sacramento, Contra Costa, Los Ángeles, Orange, San Diego, Riverside, San Benardino
- Georgia: Barrow, Bartwo, Cherokee, Clayton, Cobb, DeKald, Douglas, Fayette, Forsyth, Fulton, Gwinnet, Henry, Paulding, Rockdale, Spalding.
- Massachussets: Midlesex, Norfolk, Suffolk
- Nevada: Clark(Las Vegas, Henderson)
- New York: Bronx, Kings(Brooklyn), New York(Manhattan), Queens, Richmond(Staten Island)
- Texas: Collin, Dalla, Fort, Fort Bend, Harris(Houston)
What Documents Do You Need to Buy a Home with 3% Down?
- If you’re a W-2 employee:
Valid ID (driver’s license, passport, or ITIN), 2 recent pay stubs, 2 bank statements, last year’s tax return, last year’s W-2 form, and proof of address.
- If you’re self-employed:
Valid ID (driver’s license, passport, or ITIN), last year’s tax return (Schedule C or 1099), bank statements from the last 3 months, proof of income (invoices or contracts), and proof of address.
To wrap up, the value of this program is making homebuying easier to understand, more accessible, and fully guided—so more people can achieve it.
