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you know this is a theater with bank home loans so as you know real estate prices here in san francisco bay area are skyrocketing and one of the problems that has been caused from this is that people really are anemic a little bit with the down payment meaning that they dont have enough down payment to be able to purchase a home now keep in mind that any loan above six hundred and twenty five thousand five hundred dollars is considered a jumbo loan so at that level you have to put twenty percent down so we at bank home loans on our portfolio division side have partnered up with a fund that is headquartered here in San Francisco called first racks that will match your down payment with as little as five percent that theyll contribute all the way up to ten percent so for example if youre pointing ten percent down they will also put ten percent down in exchange for a percentage of the future appreciation of your home this actually helps alleviate that problem because if you only have t