best program for first time buyer with 645 credit score

The answer would depend on several factors: credit depth, income, assets, and ratios, as well as if you have owned a home in the past 3 years. If you have military experience and are VA eligible, that's the best way to go, otherwise, depending on the above factors, you may qualify for the VHDA 1st time homebuyer's program, or you would go FHA which requires 3.5% down payment which can be your own funds or gift funds from a family member. Hope this helps.....if I can help further, just give me an email.

There are lots of options available to you as a First Time Buyer with a 645 credit score. There is the Virginia Housing Developement Authority Loans, FHA and, in the Montgomery County area, you may be able to take advantage of USDA Housing. USDA is very attractive because it has a lower monthly Mortgage Insurance Payment and you can finance some of your closing costs depending on the appraised value....Let me know if you would like to discuss your mortgage options. I am from Floyd, Virginia and I am very familiar with your area. Our company has loads of options for many types of homeowners. You can reach me at 804-405-0168

USDA or FHA depending on program eligibility in your area (try this link for USDA and plug in the address for the home you want). You can Google FNMA Loan Level Pricing Adjustments to see how a 645 score has a major affect on the rate. USDA and FHA don't have the massive add-on's for rate and loan-to-value.Also, you may want to work with a lender that knows how to help you enhance your scores or at least tell you what's driving your 645 FICO.Call me if I can help.....

USDA, VA or FHA depending on program eligibility in your area (try this link for USDA and plug in the address for the home you want: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11). You can Google FNMA Loan Level Pricing Adjustments to see how a 645 score has a major affect on the rate. USDA and FHA don't have the massive add-on's for rate and loan-to-value.Also, you may want to work with a lender that knows how to help you enhance your scores or at least tell you what's driving your 645 FICO.Call me if I can help.....

More information would be needed to answer your question. What loan to value are you looking at? Have you been qualified yet? For how much?

Most people will go with FHA.

Many things would go into this. If you have less than 20% equity most likely FHA will provide the best chances for qualification as well as best payment options.Lending Nationwide. VA, FHA, USDA, FNMA, FMAC, Reverse, Commercial, SBA, Jumbo. 877 890 3892 / john.bates@cbcnationalbank.com

Hard to say without really going over your financials as well as your long and short term future plans. Please make sure that you speak with an experienced lender who will lay out various options and intelligently discuss the pros and cons of each with you. Your pre-approval should reflect in writing that all financial documents have been reviewed. This will make for less stress and potential issues during the process as well as make it more likely for a seller to accept your offer on the home you want. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

It would really depends on your income, assets, where you are buying and the type of property. We offer VA loans down to 530, if you are VA eligible, we offer USDA loans down to a 620 if the property is USDA eligible, we offer conventional loans down to 620 at 95% without mortgage insurance, and we offer FHA down to a 530, in addition to a variety of portfolio products. Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803

If you have the option of a VA or Rural Development loan, those would likely be the best. With minimal down payment, FHA would likely be your next best option. As you put more money down, conventional becomes a better option.