Thomas Marcantonio

Navigating down-payment assistance in 2026 doesn’t have to be overwhelming. In this guide, Thomas Marcantonio breaks down the top 10 programs ranked by approval speed and real savings, helping buyers move into homes faster while keeping upfront costs low.

Zero-down-payment homes are making headlines again—but are they truly making a comeback, and are they right for today’s buyers? In this video, Thomas Marcantonio breaks down why zero-down loans disappeared, how today’s programs differ from the past, who actually qualifies, and the real risks buyers need to understand before choosing this path. Whether you’re a first-time buyer or exploring new financing options, this breakdown helps you separate hype from smart strategy.#thomasmarcantonio 

Buying a home today can feel overwhelming. High interest rates, rising home prices, and large upfront costs stop many people from moving forward. Even buyers with stable income often struggle to save enough for a down payment. This is where down-payment assistance programs can make a real difference. As Thomas Marcantonio often explains, these programs are designed to help buyers overcome the biggest entry barrier to homeownership, even in tough market conditions. Why the Down Payment Is the Biggest Challenge For most homebuyers, the down payment is harder to manage than the monthly mortgage payment. While interest rates affect long-term costs, the upfront cash required can delay buying for years. Many people can afford a monthly payment but do not have tens of thousands saved. Down-payment assistance programs help by reducing or even eliminating this upfront burden. Instead of waiting years to save, buyers can move forward sooner and start building equity rather than paying rent. ...

A clear, beginner-friendly FHA loan guide with Thomas Marcantonio that helps low-credit buyers qualify confidently in 2026.#thomasmarcantonio

Buying a home in 2025 looks and feels different than it did just a few years ago. Rising interest rates, shifting housing inventory, and new lending policies have left many buyers wondering: Are FHA loans still a smart choice? The short answer is — they can be. But like any financial tool, they’re not perfect for everyone. Many first-time buyers, especially those unsure where to start, look to industry professionals like Thomas Marcantonio for clarity. FHA loans continue to be one of the most accessible ways to enter the housing market, but understanding how they’ve evolved in 2025 is key before making a decision. What’s New with FHA Loans in 2025? FHA loans were designed to make homeownership more accessible — especially for buyers with lower credit scores, smaller down payments, or limited financial history. In 2025, several updates have reshaped how they work: Higher Loan Limits: As home prices continue to rise, the FHA has increased its maximum loan limits nationwide, allow...