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EVERYTHING YOU NEED TO KNOW BEFORE BUYING A HOME FOR FIRST TIME

INTRODUCTION

For an ordinary middle-class citizen, it is always a dream to buy an own house. Even though the government promotes buying own home, it still has a lot of processes starting from the cost of the home to paperwork, fees involved and a lot more of tedious works are important things to be considered by a person before buying a home. For these people buying homes for the first time, there are four loan programs from which they can benefit. First-time buyers do not mean that an individual must buy a traditional home. It can be any type of house, but it must be the only principal residence for the buyer. If the individual qualifies as the first-time buyer, then he can adopt the loan programs which are available for the first-time buyers.

Federal Housing Administration (FHA)

This program is more beneficial for people having a shaky credit rating. The FHA offers the lenders a protection that if the borrower defaults on the mortgage, the lender wouldn’t incur a loss out of it. FHA is one of the agencies within the U.S Department of Housing and Urban Development. FHA loans come with an acceptable interest rate, lesser down payments of 3.5% and with a low closing cost.

U.S. Department of Agriculture (USDA)

The U.S Department of Agriculture provides service also as a homebuyer assistance program. This program mainly aims to promote the buying of a house in rural areas. To avail this program, a person must buy a house in a rural area. This program guarantees the home loan and there may not be any requirement for down payment. The payments for loans are always fixed and it also offers the lenders mortgage guarantee. However, this program includes income limitation. Since it is not possible to determine the same income limitation for all the rural region, the income limitation varies from region to region.   

Deil D Pecci is a writer and blogger based in Chicago who covers topics on personal finance and entrepreneurship. Deil D Pecci  has made Chicago her home along with his wife and children.

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