I am a loan officer and I can determine what programs you can qualify for based on a careful review of your income, assets, liabilities and credit rating.
I would be delighted to run these numbers for you at no upfront expense to you, credit pullis documented on Hud 1.
Call or fill out my online application.
I have over 25 years of experiwnce in real estate and mortgage and will provide you an honest and free evaluation.
Fairway Independent Mortgage Corporation
There are several programs to help first time home buyers such as CDA (community development assistance). I would recommend you contact a loan officer to discuss options first.
Dillsburg, Pa is a nice area, I have visited there a few times. One challenge you may have is gross income but the FHA programs do allow "Non- occupant" co-borrowers. Since you live in a rural area the Department of Agriculture has the "USDA " mortgage program sometimes referred to as the Farmers Home loan program which allows 100% financing.
You should consult a local mortgage lender.
RE/MAX Realty Group