 Hi, I'm Sarah Morrow, Realtor with Cell State Peak Realty. Getting any cash into a savings account these days is hard enough. Never mind setting aside 5 to 20% of the price of a home in Boulder County? My guest on the next episode of Proper Tea Time is Natalia Veccarelli. She's coined as the down payment assistance expert across the front range, and she's helped countless first-time homebuyers achieve the dream of home ownership even when they didn't think it possible. There are several programs out there that can help with your down payment and your closing costs, and some of them are grants, not loans, so they never even need to be paid back. And you step up buyers out there, you want to be sure to tune in too, because down payment assistance options aren't just for first timers. Natalia's going to share about homebuyer classes, tips on how to qualify, and how to build financial independence through real estate. Don't miss this taste of Proper Tea.