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My dad lost his job and my mom didn't earn enough to get our house refinanced, so they added me to the house (to include my income) so that the payment could be lowered. They have sold off the house . the credit report didn't report any bad credit. now I would like to purchase my own home but I don't think I'm a first time buyer any more. Is it so? I've heard of first time buyer loans? What are they and would I be able to qualify for them? Can u suggest some options for first time buyers/ if I'm not a first time buyer anymore, can I be ever such a buyer?

Posted: Thu Jun 26, 2008 5:58 am Post subject:

jeff please don't respond to marty.

marty, this is a violation of the rules and guidelines of the website - there is no direct solicitation allowed here. please don't mess up a good thing.

gmakerley · Posted: Thu Jun 26, 2008 6:02 am Post subject:

jeff, please don't bother calling marty.

marty this is a direct violation of the rules and the spirit of this website to solicit business in such a brash manner. please don't mess up a good thing we have here - go read the rules and abide by them.

jeff...first time home buyer programs are available, generally, for anyone who has not owned a home in the most recent previous 3 year period. if you are in a state that has a bond program allowing for lower interest rates and more favorable terms than most conventional loan programs, you ought to contact the state agency that administers the bond program to discuss your situation. otherwise, any conventional or fha loan would be able to work for you, it would seem (depending on all the other factors that come into play with a mortgage request).

brian1 · Posted: Thu Jun 26, 2008 7:11 pm Post subject:

If not a first time buyer program there are other great programs available that you should qualify for.

Brian

vegas_storms · Joined: 12 Sep 2008 Posts: 67 3.54 Dollars($)

Jeff, look into all your choices as there arre some great progams out there for non-first time buyers as well. Without knowing your credit, income situation it's very hard to say what you may qualify for.

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Can I qualify for first time buyer loans?