Chances are you have debt, but debt doesn’t mean you can’t buy a home. 77% of Americans have debt. Life is expensive and debt can quickly pile up.

The key is knowing HOW TO PAY OFF DEBT and IN WHAT ORDER.

What is a 3-2-1 Temporary Rate Buy Down? How does it work? Why would anyone use it? Does it favor the buyer or seller? I answer all these questions and more.