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Buying your first home doesn't need to be overwhelming, and the more prepared you are, the better. Here are a few tips and tools to make first-time home-buying a little easier.

Take a class. Katie Ross, a community education and marketing manager for American Consumer Credit Counseling, says you shouldn’t be at all ashamed to take a first-time homebuyer education course, many of which are offered online. They provide potential homebuyers with detailed information, advice and budgeting tips on how to purchase a home. With a homebuyer certificate, consumers may qualify for loan products that might otherwise be out of their grasp.

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Save, save, save. Prospective homebuyers are smart to save as much as possible toward the purchase price of the house and closing costs. Though low down payments programs are available, a greater down payment can open the door for more favorable borrowing terms.

Put more down. If you can purchase a home with at least 20 percent down, you probably will save even more because you won't need to buy private mortgage insurance (PMI).

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Find an agent. First-timers may also be wise to find a trusted real estate agent. They say an agent's job is to know how much properties are worth, facilitate the sale process and bring an offer to the seller's agent.

Community Ebay In Content The Your Replace - Active Listingsmily Starbuck Crone at nerdwallet.com reminds first-time prospects that there are a lot of mortgage options out there, each with their own combination of pros and cons. If you’re struggling to come up with a down payment, Crone says check out:

  • Conventional mortgages that conform to standards set by the government-sponsored entities Fannie Mae and Freddie Mac, which require as little as 3 percent down.
  • Federal Housing Administration loans, which permit down payments as low as 3.5 percent.
  • Veterans Affairs loans, which sometimes require no down payment at all.

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Finally, the Consumer Financial Protection Bureau (consumerfinance.gov) says shopping around for a mortgage can lead to real savings. Saving even a quarter of a point in interest saves thousands of doIconset Icon The Seo Hoth Web llars over the life of a loan.

If you have questions regarding your home financing options, we are here to help. Contact a mortgage consultant near you!

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Reprinted with permission from RISMedia. ©2018. All rights reserved.

Low down payment options may not be the best option for all borrowers. Consult your mortgage consultant to review potential loan scenarios and financing options to determine the home loan that is right for you.

All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance.  Licensed by the Delaware State Bank Commissioner.  Also licensed in District of Columbia, Florida, Georgia, Maryland, Michigan, North Carolina, Pennsylvania, South Carolina, Tennessee, Virginia, and West Virginia.  NMLS ID #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/)  ©2018 Prosperity Home Mortgage, LLC. All Rights Reserved.

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