Buying Your First Home Without a 20% Down Payment
The twenty percent rule is a habit, not a law. There are programs that ask for three, and a couple that ask for nothing at all.
Take Control of Your Credit
Annual Credit Report (FREE)
- Access to all 3 credit reports (Equifax, Experian, TransUnion).
- One free report every 12 months from each bureau.
- Official government-mandated service.
- No credit score included.
- No real-time alerts or monitoring.
- Requires a manual request and verification process.
Premium Monitoring (Recommended)
- Daily monitoring of all 3 credit bureaus.
- Monthly credit score and report updates.
- Real-time alerts for new inquiries and accounts.
- Identity theft insurance up to $1 million.
- Dark web monitoring and SSN alerts.
- Credit score simulator tools.
3-Bureau Monitoring (ITIN)
- Access to all 3-bureau reports and scores.
- Daily monitoring and instant alerts for profile changes.
- Full credit score tracking dashboard.
- Up to $1 million in identity theft insurance.
- Available with an ITIN, no SSN required.
- Enrollment involves a small trial fee and then a monthly subscription.
