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My wife and I are debating whether to buy a house in the next 3 months or just rent. We really don't want to pay $1000 mth to rent so we are trying to get our credit up around 640 to maje it easier to qualify for a home. Are there still good first time buyer loans out there with little to no down payment? New to this, where can I get the info I need? Feel free to email me at firstname.lastname@example.org or post here. Also, if you are aware of any rentals in the Irmo/Chapin/Lexington available in April, do tell. Thanks!
This post was edited by Joe Arrives 18 months ago
I'm "The Arrival of Joe" and I am the #1 Proponent of Cheating: Whatever It Takes To Get Eddie Goldman to Columbia, SC
Check out this website. This is how my wife and I got our mortgage in 2009. 3.5% down payment. Doubt you'll ever see a 0% down payment mortgage option in the next 20 years.
An FHA refinance mortgage or new FHA loan allows for the refinance or purchase of a home with a low down payment. These loans are great for the first time home buyer.
You may run like Hayes, but you hit like $*!#
take a look at www.schousing.com
Actually, there is a mortgage from the USDA that is part of some "rural development" initiative that is a 0% down, 100% financing loan. The house has to be in an approved area, but you can type in the address in the link below to see if it qualifies (obviously not useful if you're trying to live in downtown Columbia/Charleston/Greenville/etc.). There's also a household income limit, so that may disqualify alot of folks. One good thing though, is if the house appraises for more than the sale price, you can borrow up to the appraisal value (100% financing) and use the extra $$$ for renovations up front.
This post was edited by austingamecock 18 months ago
That's good information. Thanks for posting. If I ever move further out of Charlotte, I certainly will take a look at this.
My house is for sale now in Lexington by the Barnyard. 3 beds one bath on an acre. Looking at a mortgage payment in the 400's. I think you should check it out! :)
And yeah they still do 0 down loans AND you can get the $8000 first time homebuyer credit far as I know.
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