Starting a life together, Anna Farha & Patrick Waters found the perfect cozy cottage. OHFA Advantage Down Payment Assistance helped them move into the right home at the right price.

When Patrick Waters first saw photos of the home he now shares with Anna Farha, it reminded him of a German cottage. On the subsequent tour through the idyllic home, Anna and Patrick knew it was the home for them.

“We came and looked at the house and fell in love with it right away,” said Anna.

The home’s large yard became the perfect setting for Patrick’s organic gardening plans. Now that the weather has started to turn warmer, he’ll begin planting fruits, vegetables, grapes and hops.  ”I’ll have a small vineyard in five years,” he said.

The home’s fully updated interior also meant Anna and Patrick need not worry about expenses associated with remodeling a house.

“This was one of the few houses we toured that was finished,” said Patrick. “Everything was complete and everything was painted and it had all of the appliances.”

Unique features such as wooden beams that run across the ceiling, original windows and a loft with a custom mural also add to the home’s character.

“The house has so much character that you really don’t need a lot of decor,” said Anna.

Anna learned about the OHFA Advantage loan program from her Realtor who shared that an OHFA Advantage loan would provide 3.5% down payment assistance. As a result, the couple was only responsible for paying for the inspection and appraisal.

“OHFA Advantage made it possible for us to skip the whole renting process. We didn’t have to come up with all of the money upfront that we would have needed without the program,” said Anna. “It really has allowed us to start our life together outside of our parents’ homes and to develop this into our future.”