First Time Home Buyers


First Time Home Loans

The Best Sources for
First Time Home Loans.

Getting first time home loans is not as easy as it was a couple of years ago. The subprime mortgage crisis has caused billions of dollars in losses. To this day, the secondary mortgage market is not properly functioning. Most lenders have tightened their lending standards significantly. The qualification process is now much more stringent at most lending institutions. As you could probably guess, many lenders have gone too far with the tightening process and have made it exceedingly difficult to qualify for first time home loans.


Best Lender For First Time Home Loans

Unfortunately, some lenders do not like to provide first time home buyer mortgages (due to the buyer not having a track record of making mortgage payments), and prefer instead to only provide loans to people who have previously owned a home. When searching for a mortgage lender, it is important to find one that eagerly works with first time home buyers and also hasn't excessively tightened its lending standards because of the subprime mortgage crisis.

If you are searching for a first time home loan, don't forget here are also programs to help with the down payment. Please visit down payment assistance as well as first time home buyer grants to learn of all the different state programs that are available to first time home buyers.

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