First Time Home Buyer

Mortgage - State Directory

 First Time Home Buyer Mortgage Assistance
Available in Every State.

With the mortgage crisis of the last several years, lending standards have tightened dramatically. A first time home buyer mortgage is more difficult to obtain than it was just a few short years ago.

Fortunately, there is help available for first time home buyers seeking their first ever mortgage.

Many states offer outright cash grants as a form of down payment assistance to first time home buyers who meet certain income qualifications. We've organized all this state grant information in an easy to use format. Check out First Time Home Buyer Grants for all the details.

Best Lender For First Home Buyer Mortgages

Unfortunately, there are a few lenders do not like to work with first time home buyers (due to not having a track record), and prefer instead to only provide mortgages to people who have previously owned a home. Fortunately, most lenders are not of that variety. If you do not need help with the down payment and are not in need of any state program, but simply want to apply for a mortgage, you are in much better financial shape than most first time home buyers.

If you are not yet ready to apply for your first mortgage and are in need of some assistance, many states have additional help in the form of low or reduced interest first time home buyer mortgage programs as well as outright cash grants. These loans and grants make it possible for first time home buyers to afford a mortgage when they would not be able to do so the conventional way. In most cases, the savings in interest costs is in the tens of thousands of dollars. Listed below is a complete state by state list for more information.

First Time Buyer Mortgage Assistance

Alabama: The state of Alabama offers several first time home buyer mortgages through the Alabama Housing Finance Authority. For information on what is available, please visit Alabama First Time Home Buyer Mortgages.

Alaska: The state of Alaska offers several first time home buyer mortgages through the Alaska Housing Finance Corporation. For information on what is available, please visit Alaska First Time Home Buyer Mortgages.

Arizona: The state of Arizona offers several first time home buyer mortgages through the Arizona Department of Housing. For information on what is available, please go to Arizona First Time Home Buyer Mortgages.

Arkansas: The state of Arkansas offers several first time home buyer mortgages through the Arkansas Development Finance Authority. For information on what is available, please visit Arkansas First Time Home Buyer Mortgages.

California: The state of California offers one first time home buyer mortgage program through the California Housing Finance Agency. For information on the program details, please go to California First Time Home Buyer Mortgages.

Colorado: The state of Colorado offers only one first time home buyer mortgage program through the Colorado Housing Assistance Corporation. For information on its details, please go to Colorado First Time Home Buyer Mortgage.

Connecticut: The state of Connecticut offers one first time home buyer mortgage program through the Connecticut Department of Economic and Community Development. For information on the program details, please visit Connecticut First Time Home Buyer Mortgage.

Delaware: The state of Delaware offers a single first time home buyer mortgage program through the Delaware State Housing Authority. For information on the program details, please visit Delaware First Time Home Buyer Mortgage.

Florida: The state of Florida offers several first time home buyer mortgages through the Florida Department of Community Affairs. For information on these loans, please check out Florida First Time Home Buyer Mortgages.

Georgia: The state of Georgia offers several first time home buyer mortgages through the Georgia Department of Community Affairs. For details on these loans, please go to Georgia First Time Home Buyer Mortgages.

Hawaii: The state of Hawaii offers one first time home buyer mortgage program through the Department of Hawaii Home Lands. For information on the program details, please visit Hawaii First Time Home Buyer Mortgage.

Idaho: The state of Idaho offers two first time home buyer mortgage programs through the Idaho Housing and Finance Association. For details on these loans, please visit Idaho First Time Home Buyer Mortgages.

Illinois: The state of Illinois offers one first time home buyer mortgage program through the Illinois Housing Development Authority. For information on the program, please go to Illinois First Time Home Buyer Mortgage.

Indiana: The state of Indiana offers several first time home buyer mortgages through the Indiana Housing and Community Development Authority. For information on these loans, please visit Indiana First Time Home Buyer Mortgages.

Iowa: The state of Iowa offers many first time home buyer mortgage programs through the Iowa Finance Authority. For information on what is available to first time home buyers, please visit Iowa First Time Home Buyer Mortgages.

Kansas: The state of Kansas offers only one first time home buyer mortgage program through the Kansas Housing Resources Corporation. For details of the program, please go to Kansas First Time Home Buyer Mortgage.

Kentucky: The state of Kentucky offers several first time home buyer mortgages through the Kentucky Housing Corporation. For information on these loans, please go to Kentucky First Time Home Buyer Mortgages.

Louisiana: The state of Louisiana offers one first time home buyer mortgage program through the Acorn Housing Corporation. For details of the program, please visit Louisiana First Time Home Buyer Mortgage.

Maine: The state of Maine offers two first time home buyer mortgage programs through the Maine State Housing Authority. For details on these loans, please visit Maine First Time Home Buyer Mortgages.

Maryland: The state of Maryland offers several first time home buyer mortgages through the Maryland Department of Housing and Community Development. For details on these mortgages, please go to Maryland First Time Home Buyer Mortgages.

Massachusetts: The state of Massachusetts offers a variety of  first time home buyer mortgage programs through the Massachusetts Department of Housing and Community Development. For information on these loans, please go to Massachusetts First Time Home Buyer Mortgages.

Michigan: The state of Michigan offers only one first time home buyer mortgage program through the Michigan State Housing Development Authority. For details of the program, please visit Michigan First Time Home Buyer Mortgage.

Minnesota: The state of Minnesota offers several first time home buyer mortgages through the Minnesota Housing Finance Agency. For information on these loans, please go to Minnesota First Time Home Buyer Mortgages.

Mississippi: The state of Mississippi offers a variety of  first time home buyer mortgage programs through the Mississippi Home Corporation. For information on these loans, please visit Mississippi First Time Home Buyer Mortgages.

Missouri: The state of Missouri offers two first time home buyer mortgage programs through the Missouri Housing Development Commission. For details on these loans, please visit Missouri First Time Home Buyer Mortgages.

Montana: The state of Montana offers several first time home buyer mortgages through the Montana Department of Commerce, Housing Division. For details on these loans, please go to Montana First Time Home Buyer Mortgages.

Nebraska: The state of Nebraska offers several first time home buyer mortgages through the Nebraska Investment Finance Authority. For information on these, please visit the Nebraska first time home buyer mortgage programs page.

Nevada: The state of Nevada offers three first time home buyer mortgage programs through the Nevada Housing Division. For details, please go to Nevada First Time Home Buyer Mortgages.

New Hampshire: The state of New Hampshire offers several first time home buyer mortgages through New Hampshire Housing. For information on these, please go to New Hampshire First Time Home Buyer Mortgages.

New Jersey: The state of New Jersey offers several first time home buyer mortgages through New Jersey Housing and Mortgage Finance Agency. For information on these, please visit the New Jersey first time home buyer mortgage programs webpage.

New Mexico: The state of New Mexico offers several first time home buyer mortgages through the New Mexico Mortgage Finance Authority. For information on these, please visit New Mexico First Time Home Buyer Mortgages.

New York: The state of New York offers a variety of  first time home buyer mortgage programs through the  New York State Housing Finance Agency. For details on these loans, please go to the New York first time home buyer mortgage programs webpage.

North Carolina: The state of North Carolina offers several first time home buyer mortgages through the North Carolina Housing Finance Agency. For information on these, please visit the North Carolina first time home buyer mortgage programs webpage.

North Dakota: The state of North Dakota offers a multitude of first time home buyer mortgage programs through the North Dakota Housing Finance Agency. For details on these, please go to North Dakota First Time Home Buyer Mortgages.

Ohio: The state of Ohio offers several first time home buyer mortgages through the Ohio Housing Finance Agency. For information on these, please visit the Ohio first time home buyer mortgage programs webpage.

Oklahoma: The state of Oklahoma offers a variety of  first time home buyer mortgage programs through the Oklahoma Housing Finance Agency. For details on these, please visit Oklahoma First Time Home Buyer Mortgages.

Oregon: The state of Oregon offers several first time home buyer mortgages through Oregon Housing and Community Service. For information on these, please visit the Oregon first time home buyer mortgage programs webpage.

Pennsylvania: The state of Pennsylvania offers several first time home buyer mortgages through the Pennsylvania Housing Finance Agency. For more details on these, please go to Pennsylvania First Time Home Buyer Mortgages.

South Carolina: The state of South Carolina offers a variety of first time home buyer mortgage programs through the South Carolina Housing Finance and Development Authority. For information on these, please visit the South Carolina first time home buyer mortgage programs webpage.

South Dakota: The state of South Dakota offers two first time home buyer mortgage programs through the South Dakota Housing Development Authority. For details on these, please visit South Dakota First Time Home Buyer Mortgages.

Tennessee: The state of Tennessee offers three first time home buyer mortgage programs through the Tennessee Housing Development Agency. For details on these, please go to the Tennessee first time home buyer mortgage programs webpage.

Texas: The state of Texas offers three first time home buyer mortgage programs through the Texas Department of Housing and Community Affairs. For details on these, please visit Texas First Time Home Buyer Mortgages.

Utah: The state of Utah offers two first time home buyer mortgage programs through the Utah Housing Corporation. For details on these two first time home buyer mortgage programs, please go to the Utah first time home buyer mortgage programs webpage.

Vermont: The state of Vermont offers two first time home buyer mortgage programs through the Vermont Housing Finance Agency. For details on these two first time home buyer mortgage programs, please visit Vermont First Time Home Buyer Mortgages.

Virginia: The state of Virginia offers a variety of first time home buyer mortgage programs through the Virginia Housing Development Authority. For information on these, please visit the Virginia first time home buyer mortgage programs webpage.

Washington: The state of Washington offers several first time home buyer mortgages through the Washington State Housing Finance Commission. For more details on these, please go to Washington First Time Home Buyer Mortgages.

Wisconsin: The state of Wisconsin offers several first time home buyer mortgages through the Wisconsin Housing and Economic Development Authority. For more information on the various first time home buyer mortgage programs available, please visit the Wisconsin first time home buyer mortgage programs webpage.

Wyoming: The state of Wyoming offers several first time home buyer mortgages through the Wyoming Community Development Authority. For more information on these loans, please go to Wyoming First Time Home Buyer Mortgages.