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Are you ready to buy a home? What do you do first?

Have you been thinking of buying a home? Are you ready to begin the process of buying a home as a first time home buyer? You may need a local real estate agent to show you homes in your area. You may also want to make an appointment with a mortgage lender. It will take some time working with a real estate agent to find the right home in the price range that you can afford. It will also take time to apply for the mortgage, have the lender evaluate your application, and have your loan approved. Still more time is required to do all the necessary paperwork and close on your first time home buyer mortgage loan. But in the end, you will have a home for you and your family, and you will have achieved an important part of the American dream.

First Time Home Buyer mortgage loan scenarios...which one is yours?

• A first time home buyer having marginal credit
• A first time home buyer not having enough money to close with, or
• A first time home buyer not being able to come up with enough down payment cash or not accepting the terms of mortgage loan financing offered.

 First Time Home Buyer mortgage loan solution

• Up to 100% loan-to-value on 1st lien
• Credit scores are not considered
• Derogatory credit within the last year considered with letter of explanation
• Fixed mortgage rates and assumable
• No mortgage prepayment penalties
• No income limits
• 6% seller concessions allowed
• Up to $25,000 of down payment assistance (Available to qualified buyers)
• Non-occupying cosigners allowed
• Manufactured housing and 1 to 4-unit dwellings allowed

Grants can pay for closing costs and down payment.

First Time Home Buyer mortgage loan solution

Allow me to customize your very own personalized mortgage analysis. We work with hundreds of Non-profit organizations and Local or state agencies that offer grants, gifts and down payment assistance programs to help with a down payment for your home.