Authentic voices. Remarkable stories. AOL On Originals showcase the passions that make the world a more interesting place.
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Jeff Thomas, mortgage advisor, explains the steps you have to go through when buying a house, like are there first time home ...
Tags:first time home buyer programs,buying a house,How to Get Credit,jeff thomas,monkeysee,mortgage,mortgage advice
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Host: Are there first time home buy programs?
Jeff Thomas: They’re all first time home buyer programs but the best place to look at those and check those out is going to be your local county or city housing office and the reason for that is most first time home buyer programs are going to have bond money and bond money is going to have regulations that come with that.
The regulations are going to be a certain percentage of income that you are allowed to make to use that money and that money is the interest rate because bond money’s going to have a subsidized interest rate for growing rates 6%. The bond money first time home buyer program might be at 5 ½ %. So they want to restrict who has access to those programs and they do that by restricting the amount of money that you’re allowed to make to qualify for the program.