Attention first-time home buyers! Purchase a $440,000 home with a $375,000 mortgage pre-approval! Housing Initiative Partnership, Inc., a local non-profit housing developer, is offering an incredible opportunity to purchase this new construction, high efficiency NET ZERO home! In order to purchase the home, you must be a first-time home buyer at or below 80% of the median area income and must use the property as your primary residence. From the inviting front porch, enter into a wide open main living level with tons of natural light, anchored by a beautifully appointed kitchen with granite countertops and stainless appliances. Upstairs, the light and airy feel continues. The primary suite offers a full primary bathroom and two closets, and the two additional bedrooms and full bathroom are spacious and bright. Out back, enjoy a large and fully fenced back yard! The home is super energy efficient, with triple pane windows, upgraded insulation, very efficient appliances and systems, and owned solar panels! The sale price is $440,000 but buyers only need to qualify for $375,000 loan. The non-profit seller, HIP, is offering a 2nd Deed of Trust for $65,000 with zero interest and zero payments, which is fully forgiven after living in the property for 20 years as your primary residence. What a deal!! HIP encourages the use of Pathway to Purchase/MMP and encourages home inspections.