First time buyer credits are a thing of the past.

Sadly, your lender doesn’t care if you are a first time buyer or buying your 10th home.

But its not all bad news!

If you are a teacher or first responder there are some special loan programs available to you.

Also if you are active duty or a Veteran of the US Military, you likely qualify for a VA loan.

And many buyers qualify for down payment assistance and down payment grants.

A great lender will be able to figure out what programs are best for you.

But please for the love of all that is good in the world, DO NOT, call one of the lenders with the fancy commercials

You know who I am talking about.

They work on volume and not on repeat business. They spend millions of dollars on advertising to sell you one loan.

A local lender, recommended by your real estate agent, care about your experience because they hope you might recommend your friends and neighbors down the road.