First Time Home Buyers


Home Loan Application

Fill Out the Home Loan Application Online and Receive An Approval In Minutes.

First Time Home Buyer Grants in Every State

Up To $10,000 Down Payment Assistance


It is widely published in the media about how the subprime mortgage crisis has caused dramatic changes in the lending environment. Many lending institutions have suffered significant losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When choosing a mortgage lender, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a small percentage of applicants will be approved. We take weekly surveys to determine how to rate the top home loan lenders at any given time. At the top of our list right now is Ally. They currently have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis.  They are still approving the majority of home loan applications. Additionally, they generally approve your home loan application in just a couple of minutes. No need to wait a week or longer as is typical when you fill out a home loan application at a local bank.

Other home loan application resources:

Federal laws pertaining to home loan applications.

FDIC home loan application rules and regulations.

Federal Reserve information to consider before you sign a home loan application.

A sample of a uniform printed home loan application.


Housing Not Yet At Bottom
 Real Estate continues to lose value. One expert predicted the subprime financial crisis in 2008 and is now calling for an Economic Depression in 2011 -2012. Learn how he is helping others protect and greatly increase their wealth in spite of the financial crisis. Read more>>>

Learn to buy real estate for pennies on the dollar in today's depressed market. Click here to watch a 5 minute video for more information.

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