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America's First Time Home
Buyer
Program Specialist-Zero-5% Down Loans
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5 Simple Steps to
Owning Your
First Home
1.
Shop
Best Zero to 5% Down First Time Home Buyer Programs for lowest mortgage rate
and payment options.
2.
Get Pre-Approved in minutes so you can shop for a
home tomorrow with a preapproval letter in hand.
3. Shop for Home Now with
HomeBuyers Scouting Report.
3.
Request Pre-Screened Realtor
from FirstHomeBuyers and start house hunting for your dream home today.
4. Close on
your new home, get the keys, move in, order some pizza, and kick off
your shoes and celebrate!
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Great Step-By-Step Guide on
How to Buy your 1st Home with Zero or little Money Down!
Read about the benefits of
owning versus renting, how to qualify for the First-Time Buyer Zero Down
Home Loans,
creative financing, credit scoring, guerilla credit repair, why you
should use a realtor, mistakes you want to avoid, and much more.
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Welcome
to the Firsthomebuyers Loan Program and Realtor Information Center. Buying a
home can be a daunting task but our mission is to educate and guide first time
home buyers through
every step of the process. We provide the best tools and loans programs
available so you can decide if homeownership is right for you. Our goal is to
make buying your 1st home a simple, fun, exciting, and hassle-free experience.
Best 0-5% Down Firsthomebuyer Programs
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Progressive Payment Saver
Buydown
Program-Ground-breaking 30 year fixed loan which offers
increased purchasing power and low initial mortgage rate of 3.75% (APR
3.94%) as of 1/1/09.
- New!
$7,500 Tax Credit-deadline
approaching-6/30/09
- New!
USDA Rural Loan-
30 year
fixed zero down loan with 580 score or no credit history may qualify. 0 PMI
or mortgage insurance.
My Community
Plus-Exclusive 3% down program for
Teachers, Firefighters, Paramedics, Police Officers, Nurses and other Healthcare
workers, and Military Personnel/Veterans. Easier qualifying guidelines and discount
on closing costs.
Fannie
Flex 97% Financing Program-Great
FNMA 30 yr fixed loan if you
plan on living in the home a long time. No PMI option available.
Fannie Flex Expanded
Program-only 620 credit score may qualify
Home
Possible-Freddie
Mac Community Lending program designed to meet the needs of low and moderate
income borrowers by providing financing up to an LTV of 97%
FirstHomeBuyers Down Payment
Assistance
Program-Get up to
$25,000 for down payment or earnest money deposit. Pay off debt to help you qualify.
Government Loans
FHA requires only 3.5% Down and VA Loans requires 0 Down. Usually, fair to
marginal credit will qualify for low fixed rate mortgage rate program.
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FHA-Best 30 year fixed program with low rate.
If you have bad credit, you should contact a loan officer to assist you in
improving your credit and scores.
New!
FHA $100 Down HUD Home Loan Program-Purchase
HUD REO or Real Estate Owned Home with $100 down payment.
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Kiddie Condo-Parent(s) can co-sign for son and
daughter without occupying property.
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Streamline 203k Renovation Loan-Repairs
and home improvements may be added into mortgage to
fix up home. Great for foreclosures!
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2-1 Buydown-Great 30 year fixed loan with low
initial rate of 3.25% (APR 3.34% as of 1/1/09)-not adjustable rate mortgage!
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VA-0% Down Payment geared toward
Veterans and active Personnel in Navy, Army, Marine Corps, Air Force, Coast
Guard, and National Guard.
I believe now is the perfect time to buy
since the real estate market is now a buyer's market with rock bottom home
prices and historically low interest rates. Find
Foreclosure Deals
 Now!
Also, the government is offering a $7,500 tax credit if you purchase and close
on a home by 6/30/08. The first thing you must do is
Get Pre-Approved
before you start
house hunting so you can let the seller know you are a qualified buyer and a
pre-approval letter in hand will help you negotiate the best deal possible. I
look forward to the opportunity to assist you in realizing the American Dream of
owning a home. Please call Gerald Tribuzio at 847-516-5743 for a free phone
consultation today!
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We offer first time home buyer programs in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut,
Delaware, DC, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas,
Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New
Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania,
Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah,
Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Special Teacher, Police Officer or Cop, Fireman, Nurse, Paramedic, Pharmacist,
healthcare professional, and Military programs available in AL, AK, AZ, AR, CA, CO,
CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO,
MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
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