There is what is known as YHAP here is the link..... http://www.yorkcpc.org/YHAP.htm
Also there is a loan based off of your debt to income called USDA that is 100% financing on the home. There is still other fees like closing costs and inspections, deposits and insurance . So one has to be prepared to plan when the funds would be needed for each of these items. Also with USDA you can ask the Seller to pay up to 6% closing costs. They may or they may not. Or they may split the difference. But one other way to get them paid is to put them into the loan. Lets say your approved to purchase a home up to $125,000. You find one for $115,000. You now have room to finance them in. As long as the bank appraises the house for the total amount your financing your gold!
There are other loans and programs and so much to think and talk about .If there is a good time to sit down together and go over all the fees and programs please let me know. I work with lots of first time buyers and can help you make your home buying easy!
Sharon Harris Realtor
Coldwell Banker Select Professionals
Hanover and York
717 632 0451 office 717 465 0661 cell
I am a realtor who lives and works in Hanover, PA. and have helped many first time homebuyers get into their new home for little or no money out of pocket.
Feel free to contact me at any time to discuss. My phone is always on and I always answer it! Jeff Chiaverini- 443-538-6518
My name is Holly and I am a Realtor in Hanover, PA. I would love to talk with you about the options that are available to you and help you explore the great properties available in our community! You can reach me at email@example.com or 717-521-4331. I look forward to talking with you!