Down Payment Assistance Programs
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 first you’ll need to contact a lender who participates in these programs, learn if you meet the program requirements, and that there are available funds. It may be necessary that you live in the property you buy and be eligible based on program income and credit guidelines, so speak to a loan officer. I can get you in touch with a loan officer experienced with down payment assistance programs, so contact me at 757-943-9194.
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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I hope that you enjoyed this Down Payment Assistance Programs post!