What "first-time" home buyer programs are out there to take advantage of...?

Bay City is eligible for a great government program that is used for FTHB (first time home buyers) that is a NO MONEY DOWN purchase loan. Would that be OK?I've been working with home buyers for over 10 yrs in the Mpls/StPaul metro area and western WI. www.StevenBrandHomeLoans.com or leave me a VM at 612-386-5306

There are quite a few options to consider. FHA (Federal Housing Administration) would be the most basic program to consider. It requires a 3.5% down payment. There are no income restrictions and the credit score requirement (typically 620 minimum for most lenders) is very accomodative. The main program to consider (which does have income restrictions) is a USDA guaranteed rural housing loan. You can view property eligibility and other necessary information at: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.doThis program is 100% financing and has excellent rates. If you meet the income restrictions (don't make too much money), then USDA is a great way to go. If you make too much money, then I would try FHA.If you have any questions, I am happy to help. My website (which has all of my contact information and information about my branch) is:www.lowratefinderonline.com Sincerely,Joshua WachowiakBranch Manager920-731-3175

What is available depends on many factor. You, your credit, your income, the family income, and more. Then there are factors like are you a military veteran (VA loan), and finally, where the property is located (USDA rural development, city, county, or state assistance). What you need to do is contact a local (like us) licensed loan officer - give them a full application, and let them show you what programs and options are available for you. Click my name to the left for more info, or visit www.StPaul-Mortgage.com

There are several. I would just check with a local mortgage broker in your area & they would be able to show you what options may be available for you. Good Luck!

FHA, VA or conventional - Just all depends on what type of you you qualify for. Give us a call and we will get you qualified.719-963-3002 ask for Daniel Lotter

There are many programs.. VA loans for military, both active and discharged, requires ZERO down, USDA, which is for rural areas, which is also ZERO down, and FHA which works in just about every area, but requires 3.5% down. There also might be some local grant programs available, so you need to check.. Best advice I can give you is to contact a local mortgage broker, not a bank, and apply with them... the key here is LOCAL... there are a lot of lenders out there who lend in all 50 states, however they are not going to be proficient on local Down Payment Assistance programs, so stick to someone local.. WilliamAcres.com