It is not easy to purchase a house for the first time, as it is a complicated process. Before starting to look for available properties, make sure you can afford it. Never go for an option out of your price range. Some people can purchase it on their own, with the money they saved up, while most need to take out a home loan from a bank or a mortgage lender.
Be prepared, as this process includes more expenses than just the sale price of the home. You need to consider the first time home buyer tax credit, closing costs, and down payment. There are several loan programs you can choose from, depending on your situation, and the area you want to buy a house in.
If you want to purchase a property in some of the urban cities, an FHA home credit might be the right choice. It is insured by the Federal Housing Administration, which means the FHA lender can be sure they will not lose money if the borrower defaults on the loan. It makes it easier for the bank to accept a mortgage request, despite the usual obstacles that might get in the way. The primary benefit of the FHA option, as opposed to a conventional one, is having less strict income guidelines, which means you can earn less money and still be able to get approved. The only downside is that you need to pay an insurance premium each month during the life of the loan, which is divided into two payments. The first one is 1.75% of the total amount. The second one is adding .85% to the monthly rate. However, even with them, it is still a much cheaper option than a conventional home loan. If you think it would satisfy your housing needs, visit an FHA loan lender.
If you want to purchase a house in a rural area, you can use the USDA home credit program. The down payment is not necessary, which is ideal for those who cannot afford it. Also, their mortgage insurance is a lot cheaper; you only need to pay .05% of the loan value for it.
Another option has been designed with the purpose to help American Veterans become homeowners. It is called the VA loan, and it offers to finance eligible individuals. The United States Department of Veterans Affairs guarantees it. If you are retired, or a military member, you can qualify for this government-backed program. There is no mortgage insurance and down payment necessary. However, you need to pay a lending fee, which is between 1.5% and 3.3% of the total home loan value.
When it comes to conventional housing loans, there is always a local private mortgage lender who will approve your request. The interest rate is higher than with the mentioned government-backed options above, but you do not need to pay the monthly insurance premium once you have established 20% equity in the house. There is also a necessary down payment of about 5-10%, and the rules about income and credit are stricter.
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