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NEW First Time Home Buyer Question?

klovess14

klovess14

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MEMBER SINCE
12/06

1177 TOTAL POSTS

WEDDING DATE
9/28/2008 12:00 AM

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Gardens Galore

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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NEW Re: First Time Home Buyer Question?

BeccaJo

BeccaJo

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WEDDING DATE
8/31/2008 6:30 PM

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Riviera

We got our mortgage through Citibank, hope that helps!
 
 
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beram63

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WEDDING DATE
7/11/2009 6:15 PM

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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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NEW Re: First Time Home Buyer Question?

rahana316

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8/22/2008 6:30 PM

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Trinidad and then Jericho Terrace

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

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9/07

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WEDDING DATE
8/23/2008 2:30 PM

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VYC

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

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8/07

3474 TOTAL POSTS

WEDDING DATE
10/11/2008 2:00 PM

WEDDING LOCATION
North Ritz Club

TopDot! My FH is a Senior Mortgage Banker there.
If you'd like his contact info, just FM me!
 
 
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donegal419

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12/05

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WEDDING DATE
2/17/2007 11:00 AM

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Stewart Manor Country Club

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

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10/07

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8/8/2008 12:00 AM

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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

SFAR89

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3/08

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WEDDING DATE
12/6/2008 12:00 AM

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Craphole

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

MEMEJOR

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1/08

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WEDDING DATE
2/14/2009 12:00 AM

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Tribeca Roof top

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

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8/07

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WEDDING DATE
12/8/2007 7:00 PM

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Fox Hollow

we got ours through Wachovia
 
 
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Future Mulligan

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12/5/2008 6:00 PM

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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

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9/29/2007 3:00 PM

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Russo's on the Bay Howard Beach, NY

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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NEW Re: First Time Home Buyer Question?

klovess14

klovess14

"I'm Addicted"

MEMBER SINCE
12/06

1177 TOTAL POSTS

WEDDING DATE
9/28/2008 12:00 AM

WEDDING LOCATION
Gardens Galore

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

Mici n KC

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WEDDING DATE
10/12/2008 3:00 PM

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Jericho Terrace A+++++

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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NEW Re: First Time Home Buyer Question?

klovess14

klovess14

"I'm Addicted"

MEMBER SINCE
12/06

1177 TOTAL POSTS

WEDDING DATE
9/28/2008 12:00 AM

WEDDING LOCATION
Gardens Galore

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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