First Time Home Buyers and repeat buyers getting a home mortgage is not that difficult. There are so many programs that home buyers should be taking advantage of right now to secure a home in today’s market of low interest rates and home prices.

You can buy a home even if:

    • My credit score is in only 620 (or lower perhaps 580)
    • I have limited funds for down payment and closing costs
    • FHA & Conventional Loan Programs starting at 3% down payment
    • I only have $5,000
    • It is possible if the house is less than $417K –requires only 1% of your funds
    • I had a foreclosure and a short sale
    • 35% down and you can buy a house regardless of the time limit
    • VA Loans – it is possible to buy with 0 dollars (yes zero out of pocket)
    • I want this home but it needs a lot of work – I don’t have the money to fix it up
    • Think FHA 203K – get the money to do the repairs
    • I am a contractor/consultant with only 1 year of job history and I heard I need 2 years
    • Let’s look at the Asset Depletion Program – A portion of your assets can be used to help qualify your income

These are only a few of the programs available to would be home buyers.

As a local San Ramon real estate agent, I have a team of lenders who provide me with weekly updates on all loan programs available to help buyers secure a mortgage.

I find you the right house – my team gets you the right mortgage!

So all you San Ramon area Home Buyers – what are you waiting for – the houses and financing are at your fingertips.

Let’s go shopping!!

About Linda Urbick Linda

has written 247 articles on this blog.


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