I don't know your specific's, but I can tell you that NM's govenor authorized securing your down payment with an MFA loan for first time home buyers until your tax credit comes in and then you would pay back that MFA loan OR have a second mortgage on the house. So, I would bet that there could be some minor changes per state laws but as far as the federal standards they should all be the same. I always tell my clients to check out at least 3 mortgage/banks before making your decision - because they will all give you different rates and different loans. Hope I helped!

No.
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