How do I go about getting a first time home buyers loan?

May 3rd, 2010
by admin.

My husband and I found a house and they’re selling it to us (without a realtor) for under what it’s worth. I have no idea how to go about getting a first time home buyers loan. We actually applied online for one of those preapproved things and because of my husband’s credit score, it said it couldn’t give us a loan. How do we get a loan with his bad score? (Mine by the way is real good). I’d like to buy the house as soon as we can. Someone please help me! Thanks!

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6 Comments

  1. I need more COWBELL® says:
    May 3, 2010 at 12:19 am

    Your best bet in this situation is in my opinion to go to your local banks. There you can sit face to face with someone who may can give and take to get you approved if possible. If not, they may can suggest alternative means of financing your home. Good luck!

  2. Carolinahomerates.com says:
    May 3, 2010 at 12:29 am

    you can look for FHA, HomePossible, MyCommunity mortgages…..they help all the first time homebuyers

  3. I_Love_McRedneck says:
    May 3, 2010 at 12:36 am

    Fix your husband credit score. Without doing so, you can only use your income to qualify – meaning you probably won’t.
    The worst thing you could EVER do is buy a house with bad credit. that’s just asking to foreclose in 3 years.

  4. thats f says:
    May 3, 2010 at 1:05 am

    Here are many first time home buyers programs available. You may start by calling the city Housing Office in your city or the county housing office