I’ve been searching to find the best information on what government grants are right for me and the best way to recieve them.

I recently went to a NGC (National Grants Conference) and I wasn’t comfortable giving them a thousand dollars just to give me information on how to get a government grant.

I know this is not an easy process, but I just want to know what would be the best way for me to find a grant that would be right for me and the best way to get that grant for a first time home buyer?

Any suggestions would be great, thank you.

Just wondering if there are actually any first time home buyer or home buyer in general grants available (in the United States).  It seems that most of the information I can find online (posts as well as government websites) expired a few years ago and some as far back as 2001.

Are there grants available to help with the down payment, or just with buying a house in general?  What about tax rebates?  I know the big one already ended this past April, but are there plans for any new ones?

Thank you in advance for any helpful advice!

I am looking to purchase a home in the next few months. Does anybody know of any first time home buyer programs, that offer grants?

I live in Philadelphia county, and that is where I will be looking.

Thanks in advance for any helpful advice.

I’m a first time home buyer (25 YO) and I’m 100% sure that I want to buy a house when my current lease is up. I have already pre-qualified so I know what I can afford.

My problems/questions/issues:
-VERY limited upfront finances available (concerned about having enough for ernest deposit and closing costs)
-Uncertain as to realtor or go it alone (concerned about commission costs)
-If going alone, any advice?
-How to choose a mortgage broker (if you shop, does every broker run your credit everytime? Don’t want that!)
-How long is the process?
-Any other advice you want to offer!!

I really don’t know where to look for this info, who to trust, etc – hope to find someone here!

We will be signing for our first home next week. The mortgage lender owned the house and this is for our first year, financing it himself, because of our credit points.

The second year, we are going to in house finance. Would we still qualify for the first time home buyer tax credit even though we have a different loan situation?

Thank you in advance for all helpful advice.

I need a bit of information here. I know as much as I can find about loan assumptions and have consulted with the VA. I have been in my house for about 2 years and am ready to move. My buddy will assume my mortgage (cut down on costs). My only question is this, will he be considered a first time home buyer and get his 8k tax credit? Or since he is assuming a loan is he not considered first time home buyer?

My wife and I are getting divorced. We currently own a home and both our names are on the mortgage. If I were to buy my own house in my own name, do I qualify as a first time home buyer?
I live in PA

My boyfriend and I are buying a home together but he can not be on the mortgage because of his poor credit. I do not qualify for the 00 first time home buyer tax credit but my boyfriend does. Does he have to be on the mortgage in order to qualify for the tax credit or can I put him on the deed and will that qualify him for the tax credit?

The IRS has confirmed that if he is on the deed, lives in the house and can prove, that he has contributed towards the payment of the house, he does qualify for the credit. I am very comfortable having him on the deed but not on mortgage. Without getting into detail, his credit issues are understandable. I am awaiting to hear if the bank has any issues with him being on the deed. I will select the best answer then.

My grandmother lives in a Co-op in New York and I help her pay the maintenance, I used to live with her for several years until 2 years ago. Both of our names are on the co-op contract as share holder as well as on the Mortgage Interest Statement, Form 1098. I never took a mortgage or actually purchased any home. My question is, am I qualified for the 8000$ first time home buyer tax credit in case I buy an apartment in 2009?

For the past 4 years I have been buying my home from my uncle through an escrow service. The private mortgage does not show on my credit report, but I do claim the interest as a deduction on my taxes. I have placed that home on the market and I am purchasing another home. Will I be able to claim the first time home buyer tax credit since my previous mortgage was held privately?

I am a first-time home buyer, and have begun the process by looking at properties, doing tons of research, talking to loan officers and mortgage brokers, and looking at FHA, various state grant programs, and specialized grants. Ideally I’d like to buy a home in New Hampshire and take advantage of the Rural Development Grant.

As I move along in this process, what kind of questions should I be asking, to myself and to the mortgage person / R.E. agent? The basics would be very helpful, thanks.

I am 21 and I recently started looking into some real estate listings just for the heck of it. I came across a couple of houses that are at or below ,000, I went to take a look at them and they are in very nice condition as well as being in good neighborhoods, mostly because we are in a serious real estate slump here in Michigan. I feel like it is the right time to buy something especially so I can take advantage of the first time home buyer credit. What would be an ideal situation for me would be to purchase the home with a very low down payment and I do not know much about loans, but with a 10 year fixed APR mortgage, the loan would be extremely affordable. The plan would be that I could pay it off in ten years and either still live in it or sell/rent the property. My question is does this sound at all reasonable for me to be doing and are there even lending companies out there willing to work with low down payment mortgages that are that short of a term?

My wife and I live in California and have to do a stated income loan because we both work for tips for a living. We both have credit scores above 750. Our loan officer said that first time home buyer programs are only for buyers that go full doc. Does anybody know of any local or federal government grants or buyer programs for stated income first time home buyers?

If you were to have perfect credit, and a first time home buyer, which banks offers the best package plan, rate, apr’s, points, ect………. please name a few and give me some detail answers please.

In 2004 my parents bought a home and included my name on the title. (long story, doesn’t matter why). There was no mortgage, and I did not pay for any of the property. They sold the property in December 2007 (I did not get any money from the sale). Can I qualify for the first time home-buyer tax credit, or does my name having been on that title exclude me? Please provide your source if possible!