| First home buyers often look for programs that will | | | | each option should be explored to find the best match. |
| help them as they find, finance, and move into the their | | | | A Mortgage Lender or Broker. First time buyers often |
| reality of the American dream. There are many | | | | start their search at a bank or other lending institution. |
| programs established by national and state | | | | Lending officers can help buyers find out how much |
| government that help individuals own their very first | | | | money they qualify to borrow. They can also help |
| home Assistance may be in the form of tax credits, | | | | guide a buyer in the search for the necessary |
| grants, reduced income requirements or down | | | | documentation for a loan, such as credit score and |
| payment assistance. | | | | income information. Many prospective homeowners |
| To find a home buyer program, an individual can go | | | | prefer to be 'pre-qualified' before they search for a |
| directly to a lender or broker, to a realtor, or to a | | | | home. |
| housing counselor. Each buyer's situation is unique, and | | | | |