Where can I get/qualify for a truly "no money down" home ownership loan?
102032
You need to have excellent credit for those kinds of loans. I suggest you shop around several banks, and lendingtree.com\nYou may qualify for a low downpayment not as high as it would be normally. Just shop around and make sure you have a couple thousand saved up for closing cost and a downpayment.
784422
why don't you look into a lease-with-option-to-buy?  you can rent from the owner, but a portion of the payment goes towards the down payment on the house.  then, in 6-12 months, you can purchase the home with some money down.  remember to negotiate the purchase price upfront when you enter the contract.\n\nbut, there is no mortgage product that allows you to get the cash now and not have the loan secured by a property.\n\nlast suggestion would be setting up a direct withdrawl from your paycheck, and have it put into a savings account.  maybe if you don't have to actually bring the money to the savings account, you won't miss it.  good luck... homeownership rocks!
158886
Go to any mortgage broker an tell them you want to do a No Doc or Nina loan.  This loan requires no verifcation of assets or employment.  In fact, there are lenders that will do up to 95% financing with for a NINA/No Doc loan
419903
With no deposit loans the interest rate is higher (to cover their losses) and you need REALLY good history, 3 years in the same job, good income and NO defaults on your credit statement.  If you meet these critera then it may be good not having to put any money in.\n\nBut another option is to go through Keystart Loans, they only need a $2000 or 2% deposit depending on which is higher and you can use your first home owners grant as that deposit.\n\nMost other banks wont allow you to use your grant and you just get the money later on.
342530
FHA *(hud) will let you use the ssi income to help you qualify for your home...then depending on what state you live in, there might be some local or state funds available to use for downpayment money.  Just make sure that when you go to a lender to apply for a loan, go to one that is FHA approved...otherwise they will not offer you an FHA mortgage.
341922
Most banks offer zero down financing. You may pay 1/8-1/4% higher in interest rate because of having nothing to put down. I am a lender and the 30 year fixed rate today with 5% down is 6.625% and for 0% down the rate is 6.875% fixed for 30 years. You do not need to go with a variable rate like the other answer to your question stated. You can chose fixed. Closing costs are the same as if you had money down. The key is to shop around to find the best rate and the best in closing costs. Find a lender you trust. Zero down loans are a good way to get into a house with no money out of pocket. You have lots of options.
855992
Go to the Department of Housing for whatever county and/or city in which you wish to purchase a home.  Some cities and all counties have down payment assistance programs that will provide up to 10% toward the buyers down payment or closing costs.  Good luck!
431724
just go get a realtor, I had no credit and now I have a brand new house, with no money down none the less. I make good money which helps out alot.
790262
None of the other answers have yet touched on your biggest hurdle: income. You mentioned limited income for right now, what about in Tulsa? You won't be able to qualify for a mortgage loan in another city before you have a source of income there, i.e., a job.\n\nOther than that, go to www.julielanicek.com to apply for a no down payment loan. Fannie Mae (fanniemae.com) is not a retail lender so you can't get a loan there...\n\nMove in with some family member in Tulsa until you find employment, then apply for a mortgage.\n\nRick\nwww.fairwaymortgagelending.com
913356
there are lenders here for people with limited credit experience\nhttp://www.wesayes.com
482935
There are plenty of companies that offer 100, 103 and 107% loan options.  Lending Tree.com would be a start.
168518
I found a website that has really good information about grants for down payments.  We are currantly in the same situation and this site helped us out a lot.  They are for first time home buyers and also if you are starting over.  There are tons out there, you just have to know where to look.  Hope this helps!
646222
Go to a bank for a mortgage, and always put down at least 20% downpayment so you don't have to pay for mortgage insurance!
962809
Go here for information on downpayment assistance for any state in the nation.\n\nhttp://www.downpaymentsolutions.com/type2.shtml
328185
I am a mortgage broker in Florida and would be happy to assist you.  It is possible to qualify for a "no doc" loan that does not include any information about your income or employment.  Your credit score determines your ability to qualify for this type of loan.  If you would like more specific information- let me know.
90159
If you have no credit, its almost like having bad credit. Nobody will want to finance you because you have no history. Your best bet would be to go for a HUD home. They will build a home for you or give you a standing home in good condition and they will work out a payment that meets your budget. It was designed for people in simaler postitions. There is also Section 8 houseing that you can look into. There are probably waiting lists for them. Other than that you could get a realitor to point you in the right direction.
335342
Try going to a credit union.  They usually will let you sign for an unsecured signature loan if you at least have a steady job.