However, Zero down loans can be quite expensive. Working with a Realtor and a Mortgage Specialist can help you with your best options.
Work history, Credit history / score are all part of the process.
Best of Luck
1. VA loans (FOR THOSE WHO QUALIFY)
2. USDA LOANS (FOR ELIGIBLE areas and income requirements)
3. NC Housing Finance (for first time home buyers if funds are still available)
I would highly recommend that you talk with a realtor; most of them are familiar with the above loans/financing alternatives and will be glad to connect you to the right loan officer to work with you . One should be able to help you. In our case, we offer a 1 to 1 1/2 hours of free consultation in our office. Please call at 919-676-6917 for assistance. Or visit our site at http://www.CarolinaMaxRealty.com. We help people understand the tax benefits, financing alternatives and the investment aspects of owning a home. Good luck!!
John T. Little
Triangle Realty Solutions
4620 Watkins Rd.
Raleigh, NC 27616
Fax (877) 447-4333
You'll have some out of pocket expenses to pay along the way (pest and housing inspectors, surveyors and appraisers like to be paid up front). Having some money is much more savory to a lender than coming empty handed (sigh).