If you hope to secure a loan with a three-percent down payment, please be aware of the following deadlines:

•November 15, 2013: You must be pre-approved by this date to take advantage of a three-percent down payment. (Desktop Underwriting approval required.)

•November 16, 2013: Fannie Mae minimum down payment increases from three to five percent.

•March 31, 2014: Last day to close a Fannie Mae loan with a three-percent down payment.

Please contact me if you are in the market for a new home!