Are there any good programs out there for first time home buyers?
369971
Yes, although the most popular is an FHA loan that most mortgage bankers carry.  Go to http://www.hud.gov/ Here you will find answer to many questions as a first time home buyer.  I purchased my first property with an FHA Loan and even though the paperwork is a little more, it is the way to go due to the low down payment required.  Also look for a bank with "FHA credits" this can lower the money required at closing.
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.
568663
Try contacting your local Housing & Urban Development office or FHA office.  They've got some great programs for first time home buyers available IF you qualify.  When buying a house--look before you leap, measure twice and cut once, easy does it and save for a rainy day are all good rules to follow!  Why?  Just because a house has a great bathroom doesn't make it a great investment--look honestly at it.  Does it need a lot of fixing up?  Are there any hidden things wrong with it?  Get an inspection done by a qualified building inspector before you buy!  Make sure this house is going to fit your need for space for at least the next 10 years.  Most affordable loans are for 15 to 30 years--is there enough room for the family in that time?  Don't want to get stuck needing to add on in a year and not being able to afford to or not having the room to add on because your addition will exceed your property lines!  Don't go into massive debt for a house--yes it's a big investment and a big responsibility, but don't go buying a palace if all you can afford is a mobile home!  Save your money!  Every penny you can save will help you out and help lower your debt--if you apply it wisely!  That extra money from Aunt so & so--add half of it to the next monthly payment.  Put the other half away for home repairs--you never know when you'll need to call the plumber or the electrician or some other repairman!\nGood luck and happy home hunting!
857843
Most states have a first time homebuyer program available for people who have never owned before, low credit score are acceptable, your income must be below a maximum guideline.  Low interest rates and immediate second morgtages for closing costs are usually available.  Chech with you local banks, they will know what programs are available.\nGood Luck!
199907
Try HUD homes and foreclosures...sometimes they need a little bit of work but you can really get a good deal.
410401
I don't have the program, but consider this.  Do you really think you can buy a house for nothing down?  Yes it can be done, but everything has to be in place.  The right time, the right market, the right financing, etc..\nDon't waste your money.  Look at lease options instead.  Yes you do have to put money down, but not as much.  Also make sure that the contract can be assigned.  That is sold to someone else.
420690
Different cities and states have different programs and laws so talk to a professional in your area. Mortgage brokers, realtors, financial planners and accountants would be good people to check with. Make sure you get several opinions because some people make money based on what kind of loan or program you end up with and may not have your best interest at heart.  Many community colleges offer a one or two night class in just this topic so check to see what is available near you.\n\nAvoid an ARM or Adjustable Rate Mortgage--- some banks offer you very low introductory rates to get you to sign the loan, and as the Prime Lending Rate increases, so does your payment. Also avoid any loan that has any clause about you not being able to refinance or sell the house within a period of time--- these usually carry stiff penalties (several thousand dollars) if you need to get out of the loan for whatever reason.  Watch out for Interest Only loans, too. These only make sense if you are only planning on being in the home for about 3 years; otherwise, when the Interest Only phase runs out (usually after 5 years) your payments skyrocket, and you have little or no equity in the house to borrow against. You don't save that much during the interest only period anyway.\n\nIf you have an IRA or 401(k) retirement account, you can withdraw up to $10,000 to go towards the purchase of your first home, without any penalties.  This is a good thing!  Also explore loans OVER the selling price--- for example, you find a house that is $100,000 but you get your mortgage for $110,000. That $10,000 difference is what you pay your closing costs with.\n\nThis is a big financial decision so make sure you get a LOT of advice and information and consider it all very carefully. Don't spend all of your available savings making that down-payment; you're going to need ready cash as you move into the house, for unexpected repairs, furniture, etc.
271543
Check with a realtor in your area. There are some federal and state programs that might be able to help.
856189
have you checked on prior sales and similar homes currently on the market in your area?  That would be the first place to start....
1156807
All these answers are fairly good. Find a Real Estate office or two and "adopt" them. Go to their weelky sales meetings. Give out pens. Sponsor "Home Buyer" seminars. Be a public Speaker for any group that is available. Never visit RE offices on Fri afternoon. No one there except the"Floor Agent".  Although that may be a first relationship for you. Talk to everyone. Wear a name tag everywhere. Never dress sloppily even when in the grocery store. Never High Pressure for leads.\nWe always need lenders. Primary and secondary markets. \nGood luck.
919960
The Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm\n\n"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."\n\nI suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity. Also visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/\n\nIt is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs
484080
Two ways.  1) start with local lenders.  They usually have in house first time homebuyer mortgage products offered to the low to mod income homebuyer unless you purchase in a targeted neighborhood and then there are usually no income limits.  Typical program is low down payment, allows grant usage and may give assistance or a loan for closing costs.  2)Contact a local housing counseling agency.  For a list of agencies go to www.hud.gov.  \nThey offer housing counseling (so you know what you're doing) and may have down payment assistance or direct you where you can apply.
594395
you might want to try remax or coldwell banker depending where you are looking because each state is different
1028763
There are lots of programs for this out there.  Do some research and pick the one that best suits your needs.
706543
I did about 3 years ago.  One thing to consider, most of these programs require the seller to pay a fee.  You may have to increase the sale price to compensate them for the fee.  Other than that, I didn't notice anything different from a 'normal' home purchase.  It was my first home purchase, so I have no other experience for comparison.
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!
95958
I had and FHA loan for my first house and it worked out great.\n\nhttp://www.fha.com/