Please contact me directly if this interests you and I can answer any questions you have.
We are a Direct Lender and very familiar with USDA, along with all other financing options available.
Peoples Home Loans
198 Route 9 North
Manalapan, NJ 07726
732-800-0060 : Direct
866-475-3094 : Fax
732-241-4015 : Cell
Please give me call for more information.
Century 21 Rivera Realty
Office: 856.404.9260, ext. 198
The down payment can also come in the form of a gift from a relative.
The other answers are fine. I'd probably emphasize owner financing. However . . .
Can you afford a home? Plus the repairs, the upkeep, the utilities, and everything that goes along with it. You're a single mother. You go to school full time. You may not have much of a financial cushion--you're looking for something with no money down.
Can you really afford to buy? Might you be better off waiting. Finish school. Find a job (a full-time job). Then buy.
call me to discuss I may be able to get you on track to buy right away or in a couple of months Depending on your situation...
Search Short Sales and foreclosure Deals at http://www.BuyNjShortSales.com
The next is Homepath loans at 3% down.
The next is FHA loans with 3.5% down.
Finally, convential loans kick in at 5% down.
Hope that helps.
GSF Mortgage is a licensed lender in New Jersey.
239 481 9514