First time home buyer in Topeka

If you get outside of the Topka area just a little way, you can buy with no mnoey down on the USDA program. If you are gong to stay within Topeka there are several options: 1- buy a HUD home. HUD has a program where you can buy a hoem with $100 down. 2 - Kansas first time buyer down payment assitance program that finances your down payment for you. Let me know if either of these options will help Ron Pippin 855-723-8251

FHA will serve the purpose of what your looking for also look into doing a USDA loan as well; they provide 100% financing.... Be sure to contact a local lender that can provide you with options as well as other down payment assistant programs that may be available through the city or county in which you live in. Hope this helps.

If you are a veteran you can qualify for a no money down loan. Also if it is outside of Topeka you can qualify for a Rural housing loan with no money down. Otherwise the lowest down payment program is the FHA which requires 3.5% down. It is best to work with a broker like myself before making an offer. We can pre-qualify you and we can help you tailor your offer to assure the seller is paying for your closing costs and prepaids. As for your credit score if the numbers you stated are accurate you credit score is fine. Feel free to give me a call here locally in Topeka at 785-273-5004.

Based on your brief financial disclosure your debt ratio seems to be in line as well as your credit scores. FHA or USDA Loan would accomplish your goal. I am a bank lender and can lend nationwide. ENG Lending, A Division of Bank of England, always puts your best interest first. We would appreciate the opportunity to serve you. Please visit us at www.cincinnatimortgagerate.net. You will soon find that we are so much more than a Mortgage Banker; we are a company that is dedicated to empowering our clients and referral partners. Don't forget to visit our Facebook Fanpage at http://www.facebook.com/pages/ENG-Lending-Cincinnati/171183536269710#!/pages/ENG-Lending-Cincinnati/171183536269710?sk=wall Or Call Anytime 513-403-6260

If that is your income and credit score you should have no problems qualifying for a mortgage. If you are buying a Foreclosure look in to the HomePath Loan or a FHA 203k Loan where you can combine the remodeling or repair cost to the total loan. If a person is over age 65 and have limited income or a bad credit score I would recommend a Reverse Mortgage and have no payments for the rest of their lives.

You should have no issue qualifying for a loan. USDA with 0 down is an option also. I am the bank's expert on them. I am right here in Overland Park and will gladly qualify you after 10 minutes on the phone and send you considerable information on how the process and interest rates work. Michael Humphrey913-207-4327 cellBNC National Bankmhumphrey@bncnationalbank.com

FHA is 3.5% down and your credit is sufficient to get approved. Contact a local mortgage broker, not a bank and apply with them. They have access to a number of different lenders and they can match the right one to your particular scenario. WilliamAcres.com