Local and statewide there are free or low down payment assistance programs and grants for qualified applicants. These funds are limited and are available on a first come first serve basis. Some of these programs are available only through credit unions or banks. However, there are income requirements, so depending on the number of people in your household and amount of total income of all members you may or may not qualify.
If you’re interested in these types of programs find out about them to find a lender who participates in these programs, that you meet the program requirements, and that there are still available funds. It may be necessary that you live in the property you buy and be eligible based on their income and credit guidelines, so speak to the loan officer if that is your goal.
The next step to buying a home is getting pre-approved. The lender at first will ask you some questions about your job and other information, and will check your credit score. There’s no cost or obligation. Your lender is there to help you buy your house and will guide you in what you need to do to make that happen.
I work with local mortgage lenders who can speak with you to see which loan program works best for you. Your lender will educate you on what to do in order to qualify in the future, if you’re not ready at this time.
There are lots of options available for those who qualify to buy a home in Hampton Roads. Many buyers are taking advantage of this opportunity so they can become homeowners. Why not you?
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