Despite the mortgage and financing meltdown there are many mortgage programs for the 1st time buyer as well as the move up or scaling down purchasers.

FHA buyers can still have many of their closing costs paid for by the seller. The minimum credit score has rose some but this is still a great way for many buyers to purchase their next home or 1st home.

Planning on a short stay in your next home or in your present home? There are conventional loans amortized over 30 years with a fixed rate of under 3.75% for 7 years as of todays date.

Call today and find out what your options and the best program for your situation.