Helping You Leave a Legacy Through Homeownership
I am Rayma Garraway, The Down Payment Grant Queen, Author & Success Coach. I educate people to leave a legacy. Stop Renting. Start Building Wealth. Tired of Making Your Landlord Rich? Then…
Stop throwing money away on rent. Discover how thousands are becoming homeowners with little to no money down. Owning a home is a keystone of wealth—both financial affluence and emotional security.
Are You Ready to Own a 4-Unit Building Using GRANTS and Live Rent-Free?
Did you know there are over 2,500 home buying grants nationwide?
Homebuyer grants nationwide offer varying amounts of financial assistance to help with down payments and closing costs.
Explore powerful grants designed to help you buy a home:
CrossCountry Mortgage’s CCM Community Promise Program: $6,500 for first-time homebuyers in selected areas.
Chase Homebuyer Grant: Up to $7,500 for interest rate reductions or mortgage-related expenses.
Bank of America Grant Programs:
America’s Home Grant: Up to $7,500 for closing costs.
Down Payment Grant: Up to $10,000.
Wells Fargo Homebuyer Access Grant: Up to $10,000 for down payment assistance in select metro areas.
HUD’s Good Neighbor Next Door Program: 50% discount for eligible public service workers.
National Homebuyers Fund (NHF): Up to 5% of mortgage loan amount as grant or forgivable loan.
Florida Hometown Heroes: Up to $25,000 for essential workers.
Texas SETH Program: Up to $40,000 in assistance via 0% interest, deferred forgivable loans.
New York HomeFirst: Up to $100,000 for down payment/closing in NYC.
California Dream for All Program: Up to $350,000 or 20% of purchase price as shared equity loan.
⏳ Become a Homeowner in 90 Days or Less
We turn renters into homeowners fast — and with support every step of the way.
🌟 We’re offering grants to help make it happen!
We turn renters into homeowners fast — and with support every step of the way. We’re offering grants to help make it happen!
Register for our 8-hour interactive Pre-Purchase online course (certificate awarded)
Get pre-approved by a participating lender
Start house hunting with an experienced realtor
Do your due diligence
Clear to Close — Congratulations future homeowner!
Live Rent-Free in Your Own 4-Unit Building! 🏠 $16B in home buyers grants available.
Unlock These Life-Changing Benefits:
Zero-down opportunities
How to pay off your home in half the time
Learn how to own your home free and clear
Turn your home into an asset, not a liability
Discover how a single-family home can outperform an apartment complex in income
Get the keys to your own building and start building wealth! Grants cover down payments, closing costs & more. Eligibility criteria apply.
Register Now for Just $397 (Normally $1,497)
74% OFF — Available for the Next 72 Hours Only!
Take the First Step to Homeownership Today!
Call 347-791-5595 or tag someone who’s tired of paying rent. The Down Payment Grant Queen is ready to help you achieve the American Dream!
Credit: 640 FICO (700 preferred for lower interest)
Income: 2 years of employment
Tax return
1 month paystub
Child support or alimony (if applicable)
Assets & Grant Certificate
Retirement plan
I’ll show you how to report your rent history for a quick credit boost! Learn more and apply today!
Your Concerns Answered
You qualify if you haven’t owned an FHA loan in the last 3 years.
No! I’ve closed deals for attorneys, doctors, and veterans using grants.
While supplies last. Range: $800 to $350,000
Still eligible. Let’s talk.
Only for conventional loans. With me, many close with 3.5%, 1%, or even 0% down.
YES.
Buyer’s closing costs typically range from 2%–5% of the purchase price.
Here’s what they include:
Title Insurance & Escrow: $1,500–$3,000
Loan Origination Fee: 0.5%–1%
Appraisal Fee: $300–$1,000
Inspection Fee: $300–$1,000
Credit Report Fee: $30–$150
Flood Determination Fee: $15–$50
Survey Fee: $500–$2,000
Mortgage Broker Fee: 0.5%–2%
Recording Fees: $100–$500
Transfer Taxes: Varies
Homeowners Insurance: First-year premium
PMI: If applicable
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