{"id":330,"date":"2016-02-12T11:38:59","date_gmt":"2016-02-12T11:38:59","guid":{"rendered":"http:\/\/www.sparksconstruction2017.com\/?p=330"},"modified":"2016-02-12T11:38:59","modified_gmt":"2016-02-12T11:38:59","slug":"new-custom-home-lake-city-florida-without-20pc-down","status":"publish","type":"post","link":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/","title":{"rendered":"Getting a New Custom Home in Lake City, North Florida Without a 20% Down"},"content":{"rendered":"

Owning a home is a fondest dream of many Floridians. It\u2019s a place one can rely on in good times and bad. And it certainly is not as difficult to become a home owner as some may imagine. If you don\u2019t have the big dollars in your account to finance the down payment of a new home, you can make the following smart moves to accomplish your goal of having a residential property in your name.
\n<\/p>\n

    \n
  1. Seek the Support of FHA<\/strong>
    \nThe Federal Housing Administration (FHA) offers mortgages even if your down payment is as little as 3.5% of the home value.<\/mark> The monthly instalments you pay for your home definitely go higher as the overall payment to be done increases. However, the current rulings on reduced mortgage insurance premiums for FHA loans means you can enjoy the benefits of a more affordable FHA loan with lower costs.<\/li>\n
  2. Go for USDA Loans if You\u2019re Eligible<\/strong>
    \nAt USDA, you can get a loan for 0% down<\/strong>.<\/mark> However, eligibility criteria for these loans depends upon a number of factors like the location of the residential property you want, your profession and income, property size etc. The association encourages the sale of homes in rural areas and sparsely populated areas.<\/li>\n
  3. VA Loans<\/strong>
    \nVA home loans are underwritten & financed by private-sectors as per VA standards. Almost 90% of all VA-guaranteed home loans are made with no down payment required.<\/strong><\/mark>\u00a0Borrowers must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. Read more about VA Loans.<\/strong><\/a><\/li>\n<\/ol>\n

    At Sparks Construction, an accomplished home builder in Lake City<\/strong><\/a>, we understand how critical a new home project is for you. We value the effort and emotional energy that goes into choosing a place and financing it. Therefore, we make every possible effort to meet or exceed the terms we promise. Our quality of work is unexcelled and truly has a professional touch to it.<\/p>\n

    Call Sparks Construction<\/strong><\/a> at (386) 755-9314 <\/strong>for a fantastic job at building your new custom home in Lake City!<\/p>\n","protected":false},"excerpt":{"rendered":"

    Owning a home is a fondest dream of many Floridians.<\/p>\n","protected":false},"author":1,"featured_media":2706,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[84],"tags":[],"class_list":["post-330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"acf":[],"yoast_head":"\nGet a New Custom Home without a 20% down in Lake City, North FL<\/title>\n<meta name=\"description\" content=\"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get a New Custom Home without a 20% down in Lake City, North FL\" \/>\n<meta property=\"og:description\" content=\"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\" \/>\n<meta property=\"og:site_name\" content=\"Sparks Construction Lake City, Florida\" \/>\n<meta property=\"article:published_time\" content=\"2016-02-12T11:38:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/a4323adcbf34e94918715c09b2b27438\"},\"headline\":\"Getting a New Custom Home in Lake City, North Florida Without a 20% Down\",\"datePublished\":\"2016-02-12T11:38:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\"},\"wordCount\":359,\"publisher\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/#organization\"},\"image\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png\",\"articleSection\":[\"Blogs\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\",\"url\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\",\"name\":\"Get a New Custom Home without a 20% down in Lake City, North FL\",\"isPartOf\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png\",\"datePublished\":\"2016-02-12T11:38:59+00:00\",\"description\":\"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.\",\"breadcrumb\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage\",\"url\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png\",\"contentUrl\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png\",\"width\":800,\"height\":400,\"caption\":\"New Custom Home in Lake City\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vapits.com\/sparks2026\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Getting a New Custom Home in Lake City, North Florida Without a 20% Down\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#website\",\"url\":\"https:\/\/vapits.com\/sparks2026\/\",\"name\":\"Sparks Construction Lake City, Florida\",\"description\":\"Sparks Construction Lake City, Florida\",\"publisher\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vapits.com\/sparks2026\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#organization\",\"name\":\"Sparks Construction Lake City, Florida\",\"url\":\"https:\/\/vapits.com\/sparks2026\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2025\/10\/Sparks-Construction.png\",\"contentUrl\":\"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2025\/10\/Sparks-Construction.png\",\"width\":250,\"height\":76,\"caption\":\"Sparks Construction Lake City, Florida\"},\"image\":{\"@id\":\"https:\/\/vapits.com\/sparks2026\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/a4323adcbf34e94918715c09b2b27438\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bd20eda98500855e5c011ee08dcc2b761398f6c31f15f1e13e2c0f9893a940ec?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bd20eda98500855e5c011ee08dcc2b761398f6c31f15f1e13e2c0f9893a940ec?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/vapits.com\/sparks2026\"],\"url\":\"https:\/\/vapits.com\/sparks2026\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Get a New Custom Home without a 20% down in Lake City, North FL","description":"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Get a New Custom Home without a 20% down in Lake City, North FL","og_description":"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.","og_url":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/","og_site_name":"Sparks Construction Lake City, Florida","article_published_time":"2016-02-12T11:38:59+00:00","og_image":[{"width":800,"height":400,"url":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png","type":"image\/png"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#article","isPartOf":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/"},"author":{"name":"admin","@id":"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/a4323adcbf34e94918715c09b2b27438"},"headline":"Getting a New Custom Home in Lake City, North Florida Without a 20% Down","datePublished":"2016-02-12T11:38:59+00:00","mainEntityOfPage":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/"},"wordCount":359,"publisher":{"@id":"https:\/\/vapits.com\/sparks2026\/#organization"},"image":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage"},"thumbnailUrl":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png","articleSection":["Blogs"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/","url":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/","name":"Get a New Custom Home without a 20% down in Lake City, North FL","isPartOf":{"@id":"https:\/\/vapits.com\/sparks2026\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage"},"image":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage"},"thumbnailUrl":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png","datePublished":"2016-02-12T11:38:59+00:00","description":"Need help getting a New Custom Home in Lake City, North Florida Without a 20% Down? Read this article to know about financing your new custom home in Lake City, FL.","breadcrumb":{"@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#primaryimage","url":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png","contentUrl":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2016\/02\/mortgage-home.png","width":800,"height":400,"caption":"New Custom Home in Lake City"},{"@type":"BreadcrumbList","@id":"https:\/\/vapits.com\/sparks2026\/blogs\/new-custom-home-lake-city-florida-without-20pc-down\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vapits.com\/sparks2026\/"},{"@type":"ListItem","position":2,"name":"Getting a New Custom Home in Lake City, North Florida Without a 20% Down"}]},{"@type":"WebSite","@id":"https:\/\/vapits.com\/sparks2026\/#website","url":"https:\/\/vapits.com\/sparks2026\/","name":"Sparks Construction Lake City, Florida","description":"Sparks Construction Lake City, Florida","publisher":{"@id":"https:\/\/vapits.com\/sparks2026\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vapits.com\/sparks2026\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/vapits.com\/sparks2026\/#organization","name":"Sparks Construction Lake City, Florida","url":"https:\/\/vapits.com\/sparks2026\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vapits.com\/sparks2026\/#\/schema\/logo\/image\/","url":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2025\/10\/Sparks-Construction.png","contentUrl":"https:\/\/vapits.com\/sparks2026\/wp-content\/uploads\/2025\/10\/Sparks-Construction.png","width":250,"height":76,"caption":"Sparks Construction Lake City, Florida"},"image":{"@id":"https:\/\/vapits.com\/sparks2026\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/a4323adcbf34e94918715c09b2b27438","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vapits.com\/sparks2026\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/bd20eda98500855e5c011ee08dcc2b761398f6c31f15f1e13e2c0f9893a940ec?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bd20eda98500855e5c011ee08dcc2b761398f6c31f15f1e13e2c0f9893a940ec?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/vapits.com\/sparks2026"],"url":"https:\/\/vapits.com\/sparks2026\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/posts\/330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/comments?post=330"}],"version-history":[{"count":0,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/posts\/330\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/media\/2706"}],"wp:attachment":[{"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/media?parent=330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/categories?post=330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vapits.com\/sparks2026\/wp-json\/wp\/v2\/tags?post=330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}