2. Withdrawing money from retirement accounts is an option, but it can be expensive since it may have a 10% penalty for early withdrawal. Income tax will be owed on the withdrawal because it was probably deposited tax free initially.

3. A gift from a relative that does not have to be repaid.

4. Savings.

5. Cash value of life insurance.

6. Qualifying veterans are eligible for a 100% mortgage with no down payment for their principal residence.

7. Borrowing against assets that are paid for such as cars.

8. For extremely well qualified purchasers, there is an 80% first mortgage with a separate 20% second mortgage.

9. Owner financing.

For more information, call Richard Morse, your real estate professional, at (800)946-3895.