Best of Luck!
Many fine Realtors have given great advice here to your inquiry. True USDA/NACA/Fannie Mae/Special Duval County Bond Programs can be your key to your future CASTLE.
In utmost honestly, as I am 24/7...Stats/Buyers/Sellers/Lenders can vouch that the prices are RISING! The selection of Inventory is SHRINKING! Rates are STEADY to RISING slowly. Many MIP laws are changing to encourage higher percent to your future mortgage unless you place a larger amount down or go with a Loan Product that is still excusing MIP.
So to be your true friend and hopeful 1st Time Buyer Specialist...Don't wait to buy, unless you don't mind saving MORE to spending MORE in 2 years and less tax advantages to write off your future income! If the BANKS declare the current Short Sales/Foreclosures are worth more, then Appraisers can approve the homes at higher values. The Appraisers must follow stricter value codes by law and thus, this will show valid sell prices rising for the next few years as Sellers Advantage.
I have Buyers/Investors on hold or gave up to buy due to waited too long to set appts, make offers, battled being outbidded on homes even on market from 1 hour or the stale home on market 500+ days. These Buyers on hold, would probably allow us to do a 3 way call, as a testimony by waiting for the a certain home with Pre-Approval or even CASH they preferred has gone BYE~BYE!
"BUY NOW & TELL EVERYONE"! The incredible low prices, rated like the GREAT DEPRESSION are decreasing opportunity of SAVINGS!
Please Call, Text or email me now at 904-377-884 or email@example.com.
At your HUMBLE Service!
LMH Realty, LLC
Feel free to contact us if you have any questions about NACA or other.
Feel free to contact me if you have any questions.
Keven M Brennan
Sr Mortgage Consultant
American Home Funding