Hi. Matt Padgett with Keystone Mortgage! One thing we’ve found that a lot of people don’t know is there’s a first-time home buyer loan which only requires a 3% down payment. So, for those of you out there who haven’t owned a home in 3 years, you can get into a home with a conventional mortgage with as little as 3% down. Give us a call for details – (865)-909-0211.