Saw your posting online. I am a private lender willing to work with you. Flexible repayment terms and a timely closing schedule.We offer at typical rates of 4.7% APR. Get back via email for details. email@example.com
I applaud you on your decision to buy a home! As a first time buyer, it is especially favorable for you to enter the housing market.
Probably my best suggestion right now is simply this ... give me a call. During our conversation, I will have some questions for you regarding your personal financial background and history. After gathering that information, I will be able to better determine what the best timing for a purchase is, your best path for buying a home, and what lending programs are options for you.
I have 30 years of lending expertise with which to assist you and have the ability to lend within your state. I would ask that you view my website at http://www.genemundt.com first, then call or contact me. That way you have a little background on me also and will feel comfortable speaking with me. You can also view some of the preliminary information I have for the First-time Homebuyer's Tax Credit within that site. When we speak I will be able to clarify and answer questions you have regarding that tax credit and more.
I look forward to hearing from you soon and working together towards your purchase of a home.
Gene Mundt, Professional Mortgage Banker http://www.genemundt.com
Here are some websites you can try, you may or may not qualify for the products. The first one explains the difference between a lender and a broker. Not that brokers are bad or charge higher fees, but you should know the difference.
State of Michigan programs http://www.michigan.gov/mshda/0,1607,7-141-45866---,00.html
More possible programs http://www.hud.gov/local/index.cfm?state=mi&topic=homeow
Good luck and don't be afraid to ask questions.