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Many first time buyers or Realtors working with first time buyers are unaware of the State, County, and even Municipal programs that are available. There are many different programs or grants that can be applied to things like closing costs, home improvements, and even in some cases down payment assistance. In addition in many instances an individual who has previously owned a home but has not owned a home in the three (3) years prior to receiving assistance would be considered a first time buyer.

Programs vary from County to County and Municipality to Municipality. Please consult a mortgage professional that is familiar to working with these programs. At Residential Home Funding we have regular training for our Loan Specialists on the latest programs for home buyers. We consider it our civic duty, and our personal pleasure, to help our hard working clients become home owners and enjoy the "American Dream" !