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First time home buyer program (credit)
Everyone, including the government, realizes how hard it is for people to afford first hand the amount that would be required to pay for a home, leave alone the overall price, but the down payment as well. That is why all the states in the USA have put into place programs that assist people tom raise the loans to buy homes. There are states that give cash grants to first time home buyers but only on the security of their incomes.
This has been a great help for people who might take a lifetime to save enough money fro the down payment. The first time home buyer program (credit) is designed for the people who earn only average incomes to help them realize their dreams of owning homes. In addition to the grant, the first time buyers are accorded mortgages that require them to pay very low interests in the end.
To be eligible for credit assistance, you have to have a good job history, which will ultimately include how steady your job has been. If you have not been working for the last two years, the mortgage lender will want to know why. It is therefore to your credit to be holding a steady job that will boost your chances to qualify for credit as a first time home buyer. You might not be considered if you have long periods of absentia from work but if it has been for the reasons of health, you will be considered.
To qualify for first time home buyer program (credit), then you have to show a good record of bill payments. This will reflect well on your credibility and it will show that you are worthy to be considered for credit. The above requirements are however apt to differ from one institution to another. Anyway, learn to keep a good record of your credit history so that you can be able to answer for any disputes that the mortgage lender may spot in your history.
Mortgage modification program
Suddenly your expenses have shot through the roof due to unforeseen circumstances or you have had a salary reduction which has proved difficult for you to be able to meet your mortgage loan repayment. Thanks to the lending institutions, you might not lose your home because with mortgage modification program you are allowed to go to the bank and have them look over your loan again to modify the rate of payment. It is not like applying for a new loan but it is more about revisiting your loan repayment terms and making them a bit easier to meet.
To do this, you must have a good record of mortgage loan payment, and you must have material prove of the cause of your inability to continue with the loan repayment at the original terms. To access this program you must not have missed more than three consecutive payments and you must be using the property in question as your residence. By all means, you must not have been declared bankrupt.
With today’s administration, everyone is eligible for a loan modification program, including the good loan payers. This is in an attempt to make them want to buy more homes even as the real estate sector tries hard to pull out of the crises. In all cases, mortgage modification should not be taken as an act of kindness from the bank. Rather it should be known that it is an arrangement where both parties (you and the bank) gain mutual benefits. The terms of loan modifications depend on the mortgage provider and therefore the service differs from one lender to another.
The good thing is that mortgage modification comes with the turf and therefore it is rare for one to be denied the modification program on his mortgage if he meets all the requirements. You should not be ashamed if you cannot meet your financial obligations as everyone has felt the negative impact of recession. Rather, take mortgage modification as a way to save your home.
