First Time Home Buyers YOU MUST READ THIS - There are many questions that you may have. Many of those questions deal with financing. There are many programs that are available to you that may help you get your home. Let me help you get in touch with one of the many sources that can give you the help you need to finance your house. KEEP READING

One of the commonly cited reasons why homebuyers remain on the sidelines is that they think they need to have a 20 percent downpayment in order to get a mortgage. This is another mortgage myth that is easily busted when you stop to think about the facts.

Recent statistics from the National Association of Realtors show that the number of first-time buyers is increasing. It is common knowledge that most first-time buyers don't have large downpayments, so they couldn't possibly all be putting 20 percent down.

Low-downpayment loans and 100% financing are still readily available......                  

KEEP READING

USDA (Rural Development) - (think the USDA is only dealing with farms and meat, THINK AGAIN! Pike County Qualifies for this type financing!) 100% Financing up to $362,790, No Mortgage Insurance, Competitive 30 year fixed Rates, No Minimum Credit Score, Flexible Qualifying Standards, Generous Income Limits Based on Family Size

PHFA (Pennsylvania Housing Finance Agency)                                 

Keystone Home Loan Plus Program - Lower than Market Rates & Fees, Down Payment and/or closing cost assitance, 30 year fixed terms, 25% Discount on title Policy (if requested),Assumable to qualified borrowers, 8 month lock on new construction.

VA - Veterans Loans - call your mortgage banker for details

Homes for Heroes Programs - Let me put you in touch with a mortgage banker to discuss this program

Please note that with the market changing every day some programs may not be available at the time that you are looking for a mortgage. Please contact you mortgage banker for the most current and up to date programs.