Answers by Erica Ferrell

Hello Gloria, please note that increasing your credit score is best. Normally 640 is needed for the best outcome when shopping for the perfect mortgage. Also not that lowering your debt as much as possible is equally ideal. It would also help tremendously if you took a 1st time home buyers class/workshop. Hope this helps and Best Wishes.

Hello Leanne, USDA and VA are the way to go for $0 down, please note that any lender fees or prepaids maybe rolled into the loan to lower the expected out of pocket costs. As Shane mentioned you could take advantage of any 1st time home buyer grants and downpayment assistance programs to offset these costs as well. Next possible option is to shop for Assumable VA mortgages, where the current owner of a property wants out or needs out of the mortgage.