Help firt time home buyer!!!

[Cassondra09]

My boyfriend and I are looking at a house and we are very interested and we could really use all the help we could get! He is a firemen and I work at a school besides that he has a full time job also I know we should've been saving for a down payment but we don't have any does anyone know of any programs or assistance in buying a home

[BraxtonsMom07]

In Georgia, we have a rural development loan. It's 100% financing (no down payment) and doesn't have PMI (private mortgage insurance) that would be a good type of loan for you! Just call around and see if any banks/mortgage lenders are offering 100% financing.

[luvhubandbabys]

I know u need at least 3.5% down if ur gonna go the fha route.
How is your credit??

There will be more houses. Don't buy a house with zero savings. In addition to down payment and closing costs. It be very smart to have extra savings you never know when u might need to repair or replace things as a homeowner. If u can get preapproved they prolly can estimate how much closing will be. I hear its typically 3 to 5% of the home price.

[Cassondra09]

I am in Minnesota I have a meeting with a lady from the bank next week to get more info but was wondering things to ask about and so on!! Until we go to the next step we will be saving as much as we can

[FooLynRoo]

There are tons of programs - you should get realtor and they can really point you in the direction of those open to your situation where you live.

I really think going into homeownership without a DP and saving is a bad choice.

BUt good luck to you.

[alotta_fagina]

save money. there's no other way. it's not an instant thing. you have to work at it with set goals and acheive them first.

[raegansmom]

 Please save money before you try to buy a house! 

[monique76]

I agree save money first - we saved for a while and were able to put 10 percent down, good luck to you:)

[LadyFreeRider]

I thought this post was going to be about filing for the first time home buyers on taxs. Lol. We did that not long ago. But we lived in our home for two years before we started buying it almost 3 years ago so Im no help in your situation. Since we were already living here we just renewed our rental lease into a rent to own lease. Good luck momma. I hope you can get your home.

[kansasmom1978]

Save money and make sure your credit is decent.