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Wedding Forums > Brides Helping Brides ™ > First Time Home Buyer Question?
First Time Home Buyer Question?
klovess14 Posted: May 23, 2008 01:01 AM+
klovess14 MEMBER SINCE: 12/06 TOTAL POSTS : 1177 WEDDING DATE: Sep 28, 2008
Posted: May 23, 2008 01:01 AM bride-minus.png

First Time Home Buyer Question?

Would you guys please recommend what bank gave you the best rates and assistance. It's all so confusing. We are going to start looking but I don't know where to start. My biggest fear is that there going to tell me I can't afford even a shoe to live in. I need someone who works with first time buyers and will be generous with information.
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BeccaJo Posted: May 23, 2008 06:42 AM+
BeccaJo MEMBER SINCE: 12/07 TOTAL POSTS : 767 WEDDING DATE: Aug 31, 2008
Posted: May 23, 2008 06:42 AM bride-minus.png

Re: First Time Home Buyer Question?

We got our mortgage through Citibank, hope that helps!
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beram63 Posted: May 23, 2008 06:49 AM+
beram63 MEMBER SINCE: 8/07 TOTAL POSTS : 3985 WEDDING DATE: Jul 11, 2009
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Re: First Time Home Buyer Question?

all of my home-owning co-workers recommend teachers FCU for low interest rates. i also know that bank of america has a decent first-time buyers program, so you might want to look into that too.
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rahana316 Posted: May 23, 2008 07:51 AM+
rahana316 MEMBER SINCE: 5/07 TOTAL POSTS : 2206 WEDDING DATE: Aug 22, 2008
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Re: First Time Home Buyer Question?

If you have a mortgage broker, then when they check your credit, they can find the best possible rate for you. It all depends on the bank, the length of your loan, your credit score, etc.
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chrissybean77 Posted: May 23, 2008 08:40 AM+
chrissybean77 MEMBER SINCE: 9/07 TOTAL POSTS : 1762 WEDDING DATE: Aug 23, 2008
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Re: First Time Home Buyer Question?

We went through Bethpage Federal Credit Union. They had really good rates and were very fast. Part of the deal we made with the homeowners was that we would get our mortgage within a month and we had no problems getting approved. We went to contract on 10/22 and closed 12/7. They moved everything along really quickly and at the time had some of the lowest rates going.
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Maria31 Posted: May 23, 2008 08:49 AM+
Maria31 MEMBER SINCE: 8/07 TOTAL POSTS : 3474 WEDDING DATE: Oct 11, 2008
Posted: May 23, 2008 08:49 AM bride-minus.png

Re: First Time Home Buyer Question?

TopDot! My FH is a Senior Mortgage Banker there.
If you'd like his contact info, just FM me!
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donegal419 Posted: May 23, 2008 09:15 AM+
donegal419 MEMBER SINCE: 12/05 TOTAL POSTS : 4173 WEDDING DATE: Feb 17, 2007
Posted: May 23, 2008 09:15 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by beram63

all of my home-owning co-workers recommend teachers FCU for low interest rates. i also know that bank of america has a decent first-time buyers program, so you might want to look into that too.


yep... i got mine for 5.75% through NEFCU.
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missexcited Posted: May 23, 2008 09:21 AM+
missexcited MEMBER SINCE: 10/07 TOTAL POSTS : 1257 WEDDING DATE: Aug 08, 2008
Posted: May 23, 2008 09:21 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by rahana316

If you have a mortgage broker, then when they check your credit, they can find the best possible rate for you. It all depends on the bank, the length of your loan, your credit score, etc.


I used a broker and he searched for the best rate. He took care of alot of the Pain in the butt stuff. maybe you can try that
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SFAR89 Posted: May 23, 2008 09:24 AM+
SFAR89 MEMBER SINCE: 3/08 TOTAL POSTS : 4371 WEDDING DATE: Dec 06, 2008
Posted: May 23, 2008 09:24 AM bride-minus.png

Re: First Time Home Buyer Question?

I haven't done this yet, but my FH has our savings account with ING and he says that their mortgage rates are really great, check it out?
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MEMEJOR Posted: May 23, 2008 09:38 AM+
MEMEJOR MEMBER SINCE: 1/08 TOTAL POSTS : 3580 WEDDING DATE: Feb 14, 2009
Posted: May 23, 2008 09:38 AM bride-minus.png

Re: First Time Home Buyer Question?

Dont use a mortgage broker he will just add fees on... I fyou are a first time home buyer with good credit go tot he bank... they have so many great programs.... fm me if u have any questions.... fh is a investor and teach me everything
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DeannaNDave07 Posted: May 23, 2008 09:41 AM+
DeannaNDave07 MEMBER SINCE: 8/07 TOTAL POSTS : 5728 WEDDING DATE: Dec 08, 2007
Posted: May 23, 2008 09:41 AM bride-minus.png

Re: First Time Home Buyer Question?

we got ours through Wachovia
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Future Mulligan Posted: May 23, 2008 09:54 AM+
Future Mulligan MEMBER SINCE: 7/07 TOTAL POSTS : 9613 WEDDING DATE: Dec 05, 2008
Posted: May 23, 2008 09:54 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by MEMEJOR

Dont use a mortgage broker he will just add fees on... I fyou are a first time home buyer with good credit go tot he bank... they have so many great programs.... fm me if u have any questions.... fh is a investor and teach me everything


this is what i heard - i heard that going directly to a bank will cost you less than going through a broker because brokers tack on a lot of fees
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dimples092907 Posted: May 23, 2008 10:42 AM+
dimples092907 MEMBER SINCE: 4/08 TOTAL POSTS : 955 WEDDING DATE: Sep 29, 2007
Posted: May 23, 2008 10:42 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by klovess14

Would you guys please recommend what bank gave you the best rates and assistance. It's all so confusing. We are going to start looking but I don't know where to start. My biggest fear is that there going to tell me I can't afford even a shoe to live in. I need someone who works with first time buyers and will be generous with information.



We went through Chase. My sister is a Loan Processor and got us the best rate. FM me if you are interested in her info.
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klovess14 Posted: May 23, 2008 10:45 AM+
klovess14 MEMBER SINCE: 12/06 TOTAL POSTS : 1177 WEDDING DATE: Sep 28, 2008
Posted: May 23, 2008 10:45 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by beram63

all of my home-owning co-workers recommend teachers FCU for low interest rates. i also know that bank of america has a decent first-time buyers program, so you might want to look into that too.


Do you have to be a member of the Teachers FCU to use them for a loan?
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Mici n KC Posted: May 23, 2008 10:49 AM+
Mici n KC MEMBER SINCE: 11/04 TOTAL POSTS : 14445 WEDDING DATE: Oct 12, 2008
Posted: May 23, 2008 10:49 AM bride-minus.png

Re: First Time Home Buyer Question?

There are certain criteria to qualify for first time home buyer programs. If you make too much you can't do it.
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klovess14 Posted: May 23, 2008 11:57 AM+
klovess14 MEMBER SINCE: 12/06 TOTAL POSTS : 1177 WEDDING DATE: Sep 28, 2008
Posted: May 23, 2008 11:57 AM bride-minus.png

Re: First Time Home Buyer Question?

Posted by Mici n KC

There are certain criteria to qualify for first time home buyer programs. If you make too much you can't do it.


Did you use first time home buyer program? I assume the bank will tell me that I qualify for one.
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