Skip to content Stop enriching landlords and start building wealth with homeownership. At Grant Me The Keys, we help you secure grants up to $350,000 to make your dream home in Urban America not just affordable, but a smart investment for your future.
About Rayma Garraway
Meet Rayma Garraway, aka The Down Payment Grant Queen! With a mission to empower homebuyers, Rayma helps individuals and families secure down payment grants and closing cost assistance up to $350,000. As a seasoned expert, she provides personalized guidance through the homebuying process, from credit repair tips to finding the best home loan options.
Through her comprehensive programs, Rayma equips future home buyers with the knowledge and tools needed to overcome financial barriers and achieve homeownership. Her services include:
Rayma’s promise: “We’ll show you how to qualify for down payment help — guaranteed.” With her expertise, homebuyers can turn their dreams into reality and start building generational wealth. Let Rayma guide you every step of the way to keys in your hands!
Learn 7 simple steps to buy your dream home with little to no money down. Be one of the first to discover FREE money to buy your first home.
Track your progress and stay organized with this guided journal.
Don’t let a lack of down payment keep you from homeownership. Our team specializes in connecting buyers with free money that never needs to be repaid.
Annual Rent Waste
What $2,000 monthly rent costs you each year
If you’re paying over $2,500 a month in rent, you might be surprised to learn that you can afford a mortgage and own a home in Brooklyn, NY. With down payment grants, your dream of homeownership can become a reality.
What’s Possible?
– Buy up to a 4-unit building: With the right financing and grants, you can invest in a multi-unit property and generate rental income to help offset your mortgage payments.
Understand Your Buying Power
Your income tells you how much home you can afford.
Importance of living within your means.
Renting a multifamily property can help you qualify for a bigger home faster.
Roll up 75% of rental income to qualify for a larger mortgage.
Your Roadmap to Homeownership
Buying a home is one of the biggest investments you will make. By completing our 90-minute online or in-person pre-purchase workshop, many of your concerns will be addressed, your questions answered, and you will feel confident about moving forward.
We need to take a look at your credit reports from the top three major bureaus: Experian, Equifax, and TransUnion. Remember, Credit Karma scores will not work — lenders look at your true FICO scores.
Provide your financial supporting documents to find out exactly how much house you can afford. This will give you the confidence to shop within your budget.
Complete our $497 online Grant Course to become certified. Certification is accepted by major lenders nationwide and designed to help you unlock grants up to $350,000.
With your pre-approval in hand, start shopping for homes within your approved budget. See something you love? You’ll be ready to make an offer.
When you find the right home, make an offer and submit an earnest deposit (typically $100 to 5% of the purchase price) to show your commitment.
After your offer is accepted, it’s time for inspections and legal reviews: Attorney Review - Home Inspection (foundation, roof, mold, sewer, radon, termites) - Appraisal - Title Search
Apply for over 2,000 available grants, some offering up to $350,000. Income limits and eligibility vary, but there's a grant for everyone.
Order homeowner's insurance, complete the Clear-to-Close process, wire your down payment and closing costs, confirm that your grant funds are received, do a final walkthrough — and then close on your new home.
Closing costs (also known as settlement costs) are fees paid at the end of a real estate transaction. Buyer’s closing costs usually range from 2% to 5% of the purchase price.
Title Insurance & Escrow Fees – $1,500–$3,000
Loan Origination Fee – 0.5%–1% of the loan amount
Appraisal Fee – $300–$1,000
Inspection Fee – $300–$1,000
Credit Report Fee – $30–$150
Flood Determination Fee – $15–$50
Survey Fee – $500–$2,000
Mortgage Broker Fee – 0.5%–2% of the loan
Recording Fees – $100–$500
Transfer Taxes – Varies by location
Homeowners Insurance – First-year premium
PMI (Private Mortgage Insurance) – If applicable
Credit Education
Before you move forward, it’s important to review your credit reports. We will look at your reports from the three major credit bureaus:
These agencies collect and maintain information about your credit history, which is used to generate your credit scores.
However, there are over 200 additional credit reporting agencies including:
Innovis: Often used for identity verification.
LexisNexis: Used for risk management and identity checks.
SageStream: SageStream is a credit reporting agency that provides alternative credit scoring models. They specialize in evaluating creditworthiness for individuals with limited or no traditional credit history.
CoreLogic: CoreLogic is a leading provider of property data, analytics, and services. While not a traditional credit bureau, CoreLogic offers credit reporting and risk management solutions for the mortgage industry.
ARS: ARS (Automated Reporting System) is not a well-known credit bureau. However, it’s possible that ARS refers to a specific credit reporting system or tool used within the mortgage industry.
ClearStage Credit: Focused on alternative credit data.
Specialty agencies may report information like rent payments, utility bills, and public records.
Important: Credit Karma does not give lenders the score they need. Lenders look at your FICO score, not a consumer advantage score.
Order for free at AnnualCreditReport.com — slower (mail delivery).
For instant full credit reports and scores from all 3 bureaus, use IdentityIQ.
Annual Rent Waste
Having a lower credit score can cost you thousands over time:
Report your rental payments to the credit bureaus using services like:
When you’re ready to purchase, you can choose from a variety of property types, including:
Cost of Buying a Home
3.5% down payment
2% application fee waived with seller concessions
Up to 97% of contract price (not exceeding appraised value)
$100,000
$97,500 (97% financing)
$2,500 (3% down payment)
Can cover down payment + closing costs
Access over 2,000 grant programs nationwide
Grants up to $350,000 available
Special options to buy down interest rates
Physicians
Rural areas
Veterans
Chenoa Fund
NACA
Prime subscription services
Gym memberships
Experian Boost
SoFi usage
Rent reporting
Program: FHLB Dallas HELP Grant
Lowest: $500 minimum contribution required
Highest: $20,000 (for non-Texas/NM properties)
Program: CalHFA MyHome Assistance
Lowest: 3.5% deferred loan
Highest: $350,000 (local city programs, e.g., San Francisco)
Program: Florida HFA First-Time Homebuyer Program
Lowest: $7,500 (HFA Preferred grants)
Highest: $50,000 (county-specific programs like Miami-Dade)
Program: Atlanta Housing DPA
Lowest: $5,000
Highest: $25,000 (for public safety/healthcare workers)
Program: IHDAccess Forgivable DPA
Lowest: $5,000
Highest: $10,000 (forgivable over 5 years)
Program: MHC Smart6 DPA
Lowest: $6,000 (0% deferred loan)
Highest: $15,000 (Jackson city program)
Program: HomeFirst DPA
Lowest: $5,000
Highest: $100,000 (NYC boroughs)
Program: TSAHC DPA Grant
Lowest: 3% of loan amount
Highest: $40,000 (Chenoa Fund forgivable loan)
Program: Virginia DHCD HOMEownership DPA
Lowest: $14,999 (forgivable over 5 years)
Highest: $60,000 (Norfolk’s NRHA program)
Whether you’re searching for down payment assistance, first-time homebuyer programs, or mortgage solutions, we are here to help – near you.
At Grant Me the Keys, we serve homebuyers in Brooklyn, NY, and across the U.S., including areas like California, Texas, Florida, and Virginia. No matter where you are, our local experts are available to provide personalized support for your homebuying needs.
Making homeownership a realty !
Down payment Grants up to $350,000
The star:
Online Grant class certification upon completion
Book digital $19.99
Book Print $32
Journal $12.97
First 100 to order Bundle $397
Personal Credit repair $449.00
Here's What You Get Inside the Program
Get the tools, coaching & support you need to secure your dream home — faster and smarter.
Having a lower credit score can cost you thousands over time:
Report your rental payments to the credit bureaus using services like:
| Product | Price |
|---|---|
|
First-time Home buyer orientation |
FREE |
|
1 on 1 consultation |
FREE |
|
Pre-purchase homeownership Grant Class |
$397 |
|
Rent Reporting |
Boost your credit by reporting your rent |
|
Personal Credit Repair |
$349 |
|
Book |
Digital $19.99 - Print $32 - Journal $14.97 |
|
Book bundle |
All 3 in $49 |
We hold 1-on-1 sessions with Ria every Wednesday at 9PM EST
Join Our Pre-Purchase Grant Class!
Get ready to unlock the door to homeownership with our interactive 8-hour class. Here’s what you can expect:
What You’ll Learn
Don’t Miss Out!
Join us for an unforgettable learning experience. Register now and take the first step towards achieving your homeownership goals!
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Brooklyn Adult Learning Center
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