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Ranked by per capita income

WE have all the Options

100% Financing

80/20 (no mortgage insurance)
Credit scores are not considered with FHA underwriting
Bad Credit , charge offs and Late payments OK
interest Only

Stated Income

40 year Mortgage
No income limits on Down Payment assistance.
6% seller concessions allowed
Up to $25,000 of down payment assistance (Available to qualified buyers)
Non-occupying cosigners allowed
 

When you want to buy your first home you will also need your first mortgage loan. As a first time homebuyer the first question is whether you are actually ready to buy. Finding the right first home is not always easy and a good REALTOR can help you in the process. If you haven’t selected a REALTOR we are glad to recommend a REALTOR that works with First time homebuyers. And getting a first time homebuyer mortgage loan with us will be the easy part.

Are you ready to be a first time home buyer, lets take you through the steps a that we use to decide if you qualify for a first time home buyer loan. When you take out a loan, you sign documents that say you promise to pay back the loan.

Get PREQUALIFIED first,

A first time homebuyer loan,

To decide if you will be able to repay a first time homebuyer loan, your loan officer will look at many different pieces of information about you. This process is called underwriting. This information shows how well you have repaid your debts in the past, whether you are likely to repay your debts in the future, and your ability to repay the mortgage and your current debts.

There are first time homebuyer program guidelines that help a us in looking at these pieces of information about you. But you should also remember that there is some flexibility in these first time homebuyer guidelines, because we represent so many financial situation. If you are very strong in one area, it may help balance out another area in which you aren't quite as strong.

Time on your Job is important. Having a steady job as a first time home buyer helps you to keep your promise to pay back a mortgage loan. If you have been working continuously for two years or more, you are considered to have steady employment. A lender will need to know your job history, and it will be a factor in whether you qualify for a first time home buyer loan. However, you do not have to have held the same job for two years in order to be approved for the mortgage loan. Job moves that result in equal or more pay and continue to use proven skills are a plus for you. If you have been working continuously for less than two years, the mortgage lender will look for an explanation..

.

 We will order a credit report to verify the information that you give and to check on how well you have kept your promises to repay your debts. Credit reports are provided by credit reporting companies that make inquiries through a wide range of available sources of information: banks that may have given you a car loan, credit card companies, even gasoline companies and department stores that offer credit cards.

 If you have previously owned a home, and your mortgage loan has been foreclosed upon within the last seven years, the foreclosure will be revealed on your credit report. Having a foreclosure on your records doesn't mean you can buy another home. IF you’ve had a foreclosure inside a chapter 7 bankruptcy you could qualify as quickly as 1 day after the discharge date.

If you have declared bankruptcy within the past ten years, that also will be revealed on your credit report, We can qualify first time borrower for 100% 1 day after bankruptcy and we can further qualify borrower that are currently in chapter 13 bankruptcy. Reestablishing  credit and show that you are again able to manage your financial affairs is important.

Sometimes credit reports are inaccurate, or they give a misleading picture of past credit problems that have since been resolved. We can except receipts or letters of proof that issues have been resolved and we won’t have to wait for the credit bureau to update the info.

If you have never had any credit cards or taken out a loan through a financial institution, the various credit reporting firms may not be able to issue a credit score on you. In that case, you may be able to use a "nontraditional" credit history. For example, you may be able to document that you pay your rent, telephone bills, or utility payments on time each month. You can put these records together yourself by making copies of canceled checks or showing copies of monthly bills that do not have any late charges. A mortgage lender may be able to help you put this information together

If you have a good record of paying your rent and other bills and will be able to prove that record. You will be approved for a 100% first time buyers mortgage.

Some lenders have programs to help a first time buyer. With some of these programs, you may be able to accept a gift from a relative or to borrow a portion of the money you will need for the down payment and closing costs from a local non-profit organization or government agency. We may be able to get down payment assistance program or other first time home buyer funds that you will not have to repay and can use to cover some of these costs.

FHA Loan Limits Missouri

FHA First Time Homebuyer Program,  FHA 95% Cashout Refinance,  FHA Streamline Refinance , FHA 100% Home Loans

ZEROtoCLOSE - offers the lowest interest rates on loan products including second mortgages, mortgage home loans, refinancing, debt consolidation, first time home buyers and who can use first time home buyer information...to utilize First Time Buyer programs in your area simply apply at ZEROtoCLOSE. First time homebuyer programs are designed to help borrowers with moderate or low incomes and first time buyers make a substantial down payment on their first home in the Nashville,Memphis,Knoxville,Chattanooga,Louisville,Lexington MSA area or to assist them in paying the related closing costs on a mortgage. The programs that we offer to qualified first time buyers can make attaining a mortgage possible. There are even programs specifically for local residents which provide governmental help such as addi grants and community second programs ask your Mortgage