The next step for you is to find and ethical experienced loan officer who works for a lender that offers all of the first time buyer loans and has experience with your State and Comunnity assistance and grants for first time home buyers. Your loan officer and lender is a critical choice for you. An article,Consultation Interviewing Loan Officers, at Your-Road-Home.com will serve you well. You will also find serveral articles about loans and assistance for first time home buyers. Also be sure to read article #9 about the MCC Tax Credit for first time home buyers. The best tax credit yet ! And you will find a link to your State's assistance. Read the articles in the numbered order and you will become a savvy home buyer.
Gather up all the objective information you can find before you choose your loan officer and agent so you will know the right questions to ask and what the right answer should be.
Trulia is also a good source of information and when you find a good answer to your question vote for the answer. That will help all of the other first tme home buyers looking for good advise.
When your ready you will find loan officers and agents from your area on Trulia offering their services.
Best of Luck, Stephen Webber, 34 years of Real Estate for First Time Home Buyers
Yes your husband is eligible for a first time buyers program if the BK was not placed on his credit and of course he hasn't purchased a house before. But even with a BK on your credit report depending on when it is discharged you may be eligible for some great loan programs and mortgage rates depending on what time your BK was discharged.
Give me a call we can discuss this further and see what programs would be a good fit for you.
Joseph A. Ray
Branch Manager NMLS # 204912
Sutherland Mortgage Services, Inc.
10015 Old Columbia Rd. Suite B215
Columbia, MD 21046
Advance Realty Timonium
Main Office: 410-561-0004
Senior Loan Officer
1ST Mariner Mortgage
Lending in all 50 states
1st Mariner Mortgage