If you do not meet their requirements or want a more expensive home than they will allow there is the NSF program you may qualify for with scores as low as 580, basically you get 2 loans one for 96.5% of the price of the home another smaller loan where you can use 3% towards your down payment and closing costs. Not many lenders offer this but I could refer you to a couple that do.
I offer a mortgage program that requires no down payment, closing costs or perfect credit. Friday's rate on a 30-year fixed mortgage was 4%.
The first step in participating is attending a workshop to learn about the program and see what is required. If you go to http://www.naca.com and plug in your zip code the list of workshop locations.
I will doing the next one on Saturday Nov. 16 at Hamilton Park United Methodist Church, 11881 Schroeder Road, Dallas, TX 75243 from 9-Noon. There is a lot of information given so bringing a pad and pen is recommended. I hope you can make it.
Mortgage Counselor - NMLS 280951
*some restrictions apply, contact me for details*
You may reach me 24/7 because I answer my phone at all times to be of assistance to you.
If you have a house to sell, I only charge 4.5% commission and $0 if it doesn't sell. Also ask about the $500 buyer's rebate!!!! Together, these can save you $1,000s!
Lending Nationwide Since 1987
800 315 8803 - 7 days a week
All kidding aside, if you will contact me directly, I will share my knowledge of 33 years with you, and we will find the right mortgage program for you. Some of the programs that offer DPA are tied to the location of the property. (Zip Code) Some are tied to the agency that owns the property. And some are available to you as a buyer ONLY if you qualify for it. ~Gets more complicated than you thought.
But in any case, I will assist you in finding the best financing for your situation. Then we will find the right house for your family. Once we put the two together, we'll write up a contract. I will help you negotiate the best deal, and we will be off to order appraisals and inspections.
Call, text, or write back to me soon!
ULTRA Real Estate Services