With rising housing costs and economic uncertainties, low down payment programs are sprouting everywhere. Often hyped as a lifeline for first-time buyers, are they truly a good deal, or do they come with hidden pitfalls?   Are low down payment programs a genuine opportunity for homeownership, or are they just another ploy to lure you in? Are these programs transparent enough, or do they contain misleading information disguised as marketing tactics?   In this episode of the series with Author and Founder of Color My Credit, Alisa Glutz takes us through the world of low down payment programs, and offers a boatload of advice to those looking to seek out these options.    You’ll also learn; Rate term refinance What impacts industry specific credit scores Loan risk perspectives 401(k): What’s the value How to be prepared for pre-approval Guest Bio   Born and raised in Arizona, Alisa is also a proud graduate of Arizona State University. After a successful beginning to her career working in Hollywood as an Executive for HBO and a Producer on ABC's Politically Incorrect with Bill Maher, Alisa decided to return to her native Arizona where she became committed to helping her community realize the dream of home ownership and understand their true credit potential.   A busy advocate for consumers who are equally passionate about improving their credit scores, a prolific writer, and a woman bent on empowering others, Alisa Glutz is no stranger to the media! She is an expert in mortgage credit with 18 years of being a top originator in the mortgage industry. Alisa is a teacher at heart, a natural speaker and engages audiences from short podcasts to lengthy radio shows to live Q&A sessions weekly on social media.   Alisa has spoken to intimate groups, apartment tenants, home owners, and corporate audiences, helping employees learn how to manage their finances, credit, and financial legacy through easy to understand and engaging presentations   Find Alisa on LinkedIn @Alisa Glutz Find Alisa on TikTok @colourmycredit Find Colour My Credit on Instagram @colourmycredit  Visit https://www.glutzgroup.com/ Visit https://colormycredit.com/  Visit https://www.optoutprescreen.com/    Subscribe on YouTube, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!