First Time Home Buyer Programs
Cary, NC
Normally when people are looking for first time home buyer programs in North Carolina, they're really looking for the easiest way to qualify for a mortgage to buy their new home.
Fortunately, there are many programs tailored to the needs of the First Time Buyer.
NC FIRST TIME HOME BUYER PROGRAMS
12 MISTAKES OF NC FIRST TIME HOME BUYERS... AND
WHAT YOU CAN DO TO AVOID THEM
There's so much misinformation on the web, it's no wonder first time home buyers make crucial mistakes. The only way to put an end to this is with proper education. Click the "Read More" button to know...before you owe.
Mortgage Programs for First Time Home Buyers in Cary
While there are some NC first time buyer grant programs run by the state, these programs have limitations and drawbacks like higher interest rates that aren't great for most new home buyers.
If you need a first time buyer grant, you are usually better off saving for a down payment, and taking the necessary steps to qualify for one of the great home loan programs below.
Buying a home with no money down is certainly an attractive option. Up until the mid to late 2000's there were many 100% financing (zero down) home loans available to almost everyone. These days, all of the zero down programs, except for two, are gone.
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Zero Down Home Loans
FannieMae and FreddieMac have come out with their own First Time Home Buyer Loans to make the path to homeownership easier and more affordable. These 3% down payment loan programs have been a valuable asset for many first time home buyers.
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3% Down Payment Mortgage Programs
For those that don't qualify for the 3% down mortgage options, FHA loans (mortgages insured by the Federal Housing Administration) are a great option. FHA loans require lower minimum down payments and credit scores and are more lenient than many conventional loans .
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3.5% Down FHA Home Loans
Choosing the Best Loan Program Begins with Choosing the Best Loan Officer
You can't be expected to learn everything about every program and know exactly which mortgage program is right for you.
That's your loan officer's job to do that for you!
We take care to review your information and determine which programs you qualify for and the pros and cons of each so we can share it with you and help you make the right the choice for yourself.
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