How to Buy A House with No Money and Bad Credit Home Possible loans: If you have a credit score at 660 or above, the Home Possible mortgage program gives you the option to buy a house with a down payment as low as 3%. Home Possible loans are also an option for borrowers who don’t have a credit score at all due to not ever using credit in the past.

Mortgage applications within 45 days count as one credit inquiry. But according to the. and some conventional loan programs allow down payments as low as 3%. » MORE: Find a first-time home buyer.

First-time home buyers in Washington can take advantage of special loan. such as Fannie Mae and Freddie Mac, these programs offer low-down-payment options, too..

There are two new first time home buyer programs 2018 available through MLS Mortgage Group: A Conventional, 1% down payment mortgage. The lender contributes the remaining 2% in down payment assistance to reach the 3% minimum down for a conventional loan. 100% FHA Financing – no down payment required!

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I would be a first time home buyer, however my credit score is really low. Where should I go to find out what to pay off to raise my credit score? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.

 · Tapping First-Timer Benefits. Section 184 loans can only be used for single family homes (1-4 units) and for a primary residence. forget the federal tax credit. You may know someone who benefited from the federal first-time homebuyer tax credit, but it ended on July 1, 2010.

A perfect home can be hard to find these days, especially if you’re a first. with cash, a credit card or a personal loan. These boot-strapped financing options might put a low ceiling on your.

hud approved condo list The requirements for VA condos are similar to that of FHA condominium requirements. You can search the VA approved condo list on the veterans administration website. Speak to our lenders and get current rates. FHA Condo Approval Process. To buy an condominium with an FHA loan, the condo must be approved by HUD.

A perfect home can be hard to find these days, especially if you’re a first-time home buyer on a budget. or the ability to qualify with a credit. Easier to qualify for even with a low credit score or lack of credit history. If you are a first time home buyer or are refinancing and needing to finance over 80% of .