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I want to talk about down payment assistance programs I do I do I do okay so first of all guys if you like this channel hit subscribe if you like the video hit like if you hate everything I say hate dislike comment for the algorithm drop a beat I dont care do something so I know youre alive and Im not alone Im So Alone um okay so down payment assistance programs um I am the first person to say I do not specialize in down payment assistance program and Im going to tell you why the national programs I dont like why dont I like them well because generally they have higher rates and higher fees and in my position a lot of the times what I see is people who want down payment assistance could actually put down their own down payment but theyve seen something or heard something that makes them think because theyre first-time homebuyers theyre going to get this huge benefit and free money and what I see with a lot of the national programs its the furthest thing away from free money