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Market Tips: First-Time Home Buyer Loan Options


As a first-time home buyer, we want you to have the best experience possible and keep stress levels low. In order to take away some of this stress, we want to make sure you are aware of many first-time home-buying programs. Below we will explain some of the different programs available to you.

Conventional Mortgage
These loans are good for lower down payments that can go down to 3%, however, they do require a limited mortgage insurance premium.

FHA Loan
These loans are good if you have a lower credit score as well as need a low down payment. However, the lower your credit score is, the higher the down payment will be.

VA Loans
These loans are for veterans and do not require a down payment or mortgage insurance premium.

USDA Loans
These loans offer little to no down payment for lower-income buyers but are only able to be used in certain areas.

There are also loans that are specific to Delaware, like the Preferred Plus Loan. This loan provides a lower interest rate as well as assistance with the down payment and closing costs.

Of course, speaking with a mortgage lender will give you the most up to date programs available and they can also direct you to the program that most closely suits your needs. If you would like more information or would like to be connected with a local Mortgage Lender, we would be happy to help you make the connection!


Contact us at (302) 298-1400 or by email at


The Real McCoy Group of Coldwell Banker Residential Brokerage
89 Atlantic Avenue, Ocean View, DE 19970
DIRECT (302) 298-1400  |  OFFICE (302) 539-1777


More helpful information on loan options can be found here.


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    Wednesday Highlight: Prickly Gal Boutique & Surf Shop



    Have you shopped Prickly Gal Boutique & Surf Shop? Conveniently located on RT 26 in Millville, it will quickly catch your eye with its boho style and beachy-charm.

    Prickly Gal Boutique & Surf Shop opened in May of 2018 and has been growing ever since. Between their affordable, trendy clothing to their accessories and handmade products, you are sure to find something you love. Logan, one of the owners, is always in search of new pieces to bring in the store that are perfect for all teens and women! They have some options for men, as well! 

    Can't make it to the shop? No problem! You can view all their items online and have them shipped directly to you. She also now offers a text club with special offers and news for shoppers! 

    If you're in the area, stop by today and let them know The Real McCoy Group sent you! Your wardrobe will not be disappointed.

    Prickly Gal Boutique & Surf Shop
    35308 Atlantic Avenue
    Millville, DE 19967

    Current Hours:
    Monday 10A-4P
    Tuesday 10A-4P
    Wednesday 10A-4P
    Thursday 10A-4P
    Friday 10A-6P
    Saturday 10A-6PM
    Sunday 10A-6PM



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      Waterfront Lots in Southern Delaware

      Have you been looking for the perfect waterfront lot to build your new home in Delaware? Christine McCoy and Mike McDowell take you to three different properties, all water-oriented and waiting for you to build your dream home.

      33439 CALCUTTA COVE, DAGSBORO, DE 19939
      OFFERED AT $175,000
      Wake up to the sun rising as you enjoy unobstructed views of the Indian River Bay. The frontage of the property is wetlands that provide beautiful views of eagles and hawks soaring overhead. You'll be able to dock your boat just steps away from your back deck and quickly be out across the bay to Paradise Grill or the Atlantic Ocean. A great opportunity to build your dream waterfront home. Incredibly priced to move! A lot/home package with Capstone homes is coming soon.

      OFFERED AT $115,000
      Beautiful wooded lot with water views of the Indian River Bay! This quiet community near Dagsboro has water access and a boat ramp. You will love this price and the quality of life. With low HOA fees and just a few streets of homes, this setting is perfect for country lovers and water lovers alike! Bring your own builder or see lot/home package below for an option to be built through Capstone Homes.

      OFFERED AT $363,790
      This Capstone model, "The Torbay", starts with a one-story, 3 bedroom, 2 bath option or you can add a 2nd-floor with a loft and/ or bedroom bathroom option. Build through Capstone or choose your own builder. You will be living near the beach in your little water-oriented oasis before you know it!

      OFFERED AT $215,000
      Build to suit on this canal front, corner lot in the quiet community of Bayview Estates. You will love the serene setting and the easy water access! Bayview Estates also has a community boat ramp, outdoor pool, and tennis courts with very LOW HOA fees. See the lot/home package below for a Capstone home that can be built on this property or bring your own builder. Time to build your dream home!

      OFFERED AT $457,090
      Capstone makes the process easy with their 6-Step Process. Choose the Jackson model or any of their other homes to build. This price includes the waterfront lot, the Jackson model with a 2nd-floor bathroom and bedroom addition, bulkhead for easy boating access, upgraded flooring options, and the anticipated site improvement work. Other upgrades are available - you get to choose! You can also bring your own builder as there is no builder tie-in.

      If you are interested in these properties or have other Real Estate needs, please contact The Real McCoy Group!

      Christine McCoy, Realtor ®
      Direct (302) 339-5368
      Office (302) 539-1777

      Mike McDowell, Realtor ®
      Direct (302) 569-5936
      Office (302) 539-1777


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        Welcome to our new blog!

        We look forward to making this the best resource for information about real estate, our local area, and current topics that impact you. Please feel free to comment on our posts if you have questions or reactions to share. If there is anything you'd like to see us write about, we'd love to hear your ideas.


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