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Programs

Government Sponsored Down Payment Assistance & Private Grants


We offer government sponsored down payment assistance & private grants for qualified individuals throughout San Diego and Riverside counties. Click the ‘Get Started’ button to see how Over The Top Realty can assist in your next big move.


Program Benefits

  • Purchase ANY home on the market
  • GRANTS up to $4,170.00 ($6,000.00 in some areas.)
  • Down Payment Assistance up to $10,681.00
  • Home loans for teachers
  • NO application fees
  • NO up-front fees
  • NO Broker fees
  • Preferred interest rates
  • FREE appraisal (up to $545.00 credit at closing)
  • FREE home buyer representation
  • FREE access to (MLS) home listings
  • FREE nationwide access to foreclosures
  • Discount title fees

Who is eligible?

  • All classroom teachers
  • Administrators
  • Deans and Counselors
  • Office Staff
  • School Psychologists
  • School Social Workers
  • School Nurses
  • Lunchroom Staff
  • Para-professionals
  • Coaches
  • Custodians and Maintenance Staff
  • Librarians and Media Specialists
  • County Office Staff

Not a teacher or school employee?

Teacher Next Door has approved programs, grants, down payment assistance and other benefits for many non-instructional, public service professionals, including:

  • Nurses and all healthcare professionals
  • Law Enforcement Officers and Support Staff
  • Firefighters, EMT’s and Support Staff
  • Government Employees
  • Former and Active Duty Military

Sharon Heyden

(844) 688-7473
info@overthetoprealty.com


About Me

Sharon Heyden is the Founder and Head Broker of Over the Top Realty in Vista, California. With nearly 30 years experience as a real estate professional, Sharon helps clients navigate the changing world of real estate. From strong and equitable markets to the inevitable bubbles, hundreds of clients have depended on Sharon for a smooth experience. Sharon believes her “client first” philosophy, in-depth community and market knowledge, and effective negotiation skills are all hallmarks of her success.


Accomplishments and Affiliations

  • Luxury Property Specialist
  • Luxury Distressed Property Specialist
  • Accredited Short Sale Designations
  • HAFA, REO Specialist
  • Certified BPO Specialization
  • IRep Certified
  • “Down Payment assistance program specialist”
  • GSFA Specialist
  • Teacher (essential workers) Next Door program
  • CalFHA
  • National Association of Realtors
  • California Association of Realtors
  • San Diego Association of Realtors
  • North County San Diego Association of Realtors