First Time Home Buyer

 Loans - State Directory

 First Time Home Buyer Loan Assistance
Available in Every State.

With the mortgage crisis of recent years, lending standards have tightened dramatically. First time home buyer loans are more difficult to obtain than they were 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 for the down payment and closing costs 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 Time Home Buyer Loans

Unfortunately, some 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. 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, we recommend  ING DIRECT Orange Mortgage They have great rates, an easy online application, and welcome first time home buyers. Additionally they have not been as severely hurt by the subprime mortgage crisis and are still approving the majority of applications.

If you are not yet ready to apply and are in need of some assistance, many states have additional help in the form of low or reduced interest first time home buyer loans 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 Home Buyer Loan Assistance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Nebraska: The state of Nebraska offers several first time home buyer loans through the Nebraska Investment Finance Authority. For information on these loans, please visit the Nebraska First Time Home Buyer Loans page.

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

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

New Jersey: The state of New Jersey offers several first time home buyer loans through New Jersey Housing and Mortgage Finance Agency. For information on these loans, please visit the New Jersey First Time Home Buyer Loans webpage.

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

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

North Carolina: The state of North Carolina offers several first time home buyer loans through the North Carolina Housing Finance Agency. For information on these loans, please visit the North Carolina First Time Home Buyer Loans webpage.

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

Ohio: The state of Ohio offers several first time home buyer loans through the Ohio Housing Finance Agency. For information on these loans, please visit the Ohio First Time Home Buyer Loans webpage.

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

Oregon: The state of Oregon offers several first time home buyer loans through Oregon Housing and Community Service. For information on these loans, please visit the Oregon First Time Home Buyer Loans webpage.

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

South Carolina: The state of South Carolina offers a variety of first time home buyer loans through the South Carolina Housing Finance and Development Authority. For information on these loans, please visit the South Carolina First Time Home Buyer Loans webpage.

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

Tennessee: The state of Tennessee offers three first time home buyer loans through the Tennessee Housing Development Agency. For details on these loans, please go to the Tennessee First Time Home Buyer Loans webpage.

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

Utah: The state of Utah offers two first time home buyer loans through the Utah Housing Corporation. For details on these two first time home buyer loans, please go to the Utah First Time Home Buyer Loans webpage.

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

Virginia: The state of Virginia offers a variety of first time home buyer loans through the Virginia Housing Development Authority. For information on these loans, please visit the Virginia First Time Home Buyer Loans webpage.

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

Wisconsin: The state of Wisconsin offers several first time home buyer loans through the Wisconsin Housing and Economic Development Authority. For more information on the various first time home buyer loans available, please visit the Wisconsin First Time Home Buyer Loans webpage.

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