Do I need a down payment?Yes, you will typically need a minimum 30% of the PURCHASE PRICE in cash for a down payment. Borrower needs to have a substantial financial vested interest in the property, often referred to as "skin in the game", especially since the loan being made will be based primarily on equity in the collateral vs being based on an excellent credit history and high FICO scores. The exceptions for not having a 30% down payment would be if borrower were using the ALTERNATIVE 20% down loan program, the 20% down EXCEPTIONS loan program, or you own other property in Arizona with substantial equity to use as cross-collateral. |
A herb grinder is an essential tool for enhancing the smoking experience, allowing users to achieve a consistent grind for optimal combustion. Available in various materials like metal and plastic, these grinders cater to different consumer preferences. Enthusiasts appreciate features such as multiple chambers for kief collection, while casual users value compact designs for portability. Ultimately, a quality herb grinder elevates enjoyment and efficiency for all types of smokers.