Why Rent When You Can Own?

We have access to government programs and grants offering up to $40,000 of down payment assistance.


SETH PHILLIPS, 213-784-4447



Down Payment Assistance

We specialize in first-time buyer programs, down payment assistance, and Government Grants. We offer One Stop Service, and are here to help you from start to finish in your home buying journey.

Buyer Agent Services

One of our energetic agents will guide you through the home finding and purchasing process. We work with all listed properties as well as “For Sale by Owner” and “Off Market” homes.

Insider Tip: You don’t have to be a first time home buyer to qualify as a first time buyer!

This may sound a little odd but, you should understand that a first-time home buyer is defined as someone who has not owned and occupied their own home in the last three years.

That means if you’ve never owned a home, you’re a first-time home buyer. It also means that if you owned your home three or more years ago, but sold it, you are right back to being a first-time home buyer again, and you can take advantage of all of the benefits of the majority of our first-time homebuyer programs.

A Few of our First Time Home Buyer Programs

Government Down Payment Assistance

Federal Housing Authority (FHA) 1st TD 96.5% LTV

California Housing Finance Agency (Cal HFA) 2nd TD Zero Percent Interest Rate 3.5% LTV

First Time Home Buyer Program

100% Financing

Conventional Down Payment Assistance

Guild Mortgage Company   1st TD 97% LTV

Guild Mortgage 2% Down Payment Gift

Buyer Down Payment 1%

First Time Buyer Program

100% Financing

You can buy a home with $0 down payment. We can help.

Have a job? Have OK credit score? You can get a low interest rate 30 year fixed loan.

Down Payment Assistance

No repayment required, 0% interest, or super low-interest rates.

First Time Homebuyer Grant Programs

For example, in Los Angeles County you can get up to a $24,000 forgivable grant. That’s right – this grant does not have to be paid back if you live in your home for 3 years. We specialize in finding government programs throughout California.

Find out if you qualify in less than 5 minutes.

Better yet, give us a call!

We love our customers, so feel free to visit during normal business hours by appointment or contact Seth Phillips for more information.





SP3 Realty
770 S Grand Ave, Los Angeles, California 90017
DRE# 01898733

Meet Your Team at SP3 Realty

 Seth Phillips

Seth Phillips

Down Payment Assistance Guru

 Matt Cua

Matt Cua

Financing Dream Maker

 Renee Butkus

Renee Butkus

Home Buyer Concierge Extraordinaire