{"id":14459,"date":"2018-11-21T13:48:54","date_gmt":"2018-11-21T13:48:54","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=14459"},"modified":"2018-11-21T13:48:55","modified_gmt":"2018-11-21T13:48:55","slug":"are-you-a-first-time-home-buyer","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/are-you-a-first-time-home-buyer\/","title":{"rendered":"Are you a first time home buyer?"},"content":{"rendered":"<h2>Are you a first time home buyer?<\/h2>\n<h3>Here are some of the loan programs we offer for the first time home buyer.<\/h3>\n<p>Conventional:<\/p>\n<ul>\n<li>Minimum credit score:620<\/li>\n<li>5% minimum down payment required<\/li>\n<li>Private mortgage insurance (PMI) required if less than 20% down<\/li>\n<li>Gift funds allowed<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>VA:<\/p>\n<ul>\n<li>100% home financing \u2013 no down payment<\/li>\n<li>Minimum credit score 550<\/li>\n<li>No monthly PMI<\/li>\n<li>Competitive interest rates<\/li>\n<li>Allows the seller to pay the first time home buyers closing costs<\/li>\n<li>Finance up to $6000 towards energy efficient improvements<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>FHA:<\/p>\n<ul>\n<li>Down payment as low as 3.50% for credit scores 580 and higher<\/li>\n<li>Creidt scores down to 500 accepted with our Freedom First Time home Buyer program<\/li>\n<li>5 minimum down payment<\/li>\n<li>Occupancy must be primary<\/li>\n<li>Up front mortgage insurance premium financed: monthly MI required.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>USDA<\/p>\n<ul>\n<li>Minimum credit score 580 with manual UW<\/li>\n<li>No down payment required<\/li>\n<li>Occupancy must be primary for first time home buyer<\/li>\n<li>Annual fee required, paid monthly<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<div id=\"attachment_14460\" style=\"width: 678px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/www.anthonydidonato.net\/wordpress\/2018\/11\/21\/are-you-a-first-time-home-buyer\/first-time-home-buyer\/\" rel=\"attachment wp-att-14460\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-14460\" class=\"size-full wp-image-14460\" src=\"http:\/\/www.anthonydidonato.net\/wordpress\/wp-content\/uploads\/2018\/11\/0-2.jpg\" alt=\"first time home buyer\" width=\"678\" height=\"877\" \/><\/a><p id=\"caption-attachment-14460\" class=\"wp-caption-text\">first time home buyer<\/p><\/div>\n<p>Mortgage Misconceptions.\u00a0 You may be able to put a smaller down payment than you think.\u00a0 There are many loans that have been written with as little as 3% down payment.\u00a0 There are even zero down payment options available.<\/p>\n<h4>Credit Issues.\u00a0 We are able to take first time home buyers with credit scores down to 500 with our Freedom First Program and even home buyers with no scores.\u00a0 Credit scores below 580 may require a 10% down payment.<\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Are you a first time home buyer? Here are some of the loan programs we offer for the first time home buyer. Conventional: Minimum credit score:620 5% minimum down payment required Private mortgage insurance (PMI) required if less than 20% down Gift funds allowed &nbsp; VA: 100% home financing \u2013 no down payment Minimum credit &hellip; <\/p>\n<p><a class=\"more-link btn\" href=\"https:\/\/www.anthonydidonato.net\/wordpress\/are-you-a-first-time-home-buyer\/\">Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-14459","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Are you a first time home buyer? - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.anthonydidonato.net\/wordpress\/are-you-a-first-time-home-buyer\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"headline\":\"Are you a first time home buyer?\",\"datePublished\":\"2018-11-21T13:48:54+00:00\",\"dateModified\":\"2018-11-21T13:48:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/\"},\"wordCount\":236,\"publisher\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"image\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2018\\\/11\\\/0-2.jpg\",\"keywords\":[\"Anthony DiDonato\",\"News\",\"Real Estate\",\"tips\"],\"articleSection\":[\"News\",\"Real Estate Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/\",\"url\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/are-you-a-first-time-home-buyer\\\/\",\"name\":\"Are you a first time home buyer? 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Skilled, smart and enthusiastic about his work and his life, Anthony DiDonato has the appealing combination of business sense and people skills gives him an edge in an industry that demands both. Educated at Drexel University with a dual major in accounting and finance and minors in management and psychology Anthony DiDonato offers over 25 years of experience in the real estate industry. He has been a real estate investor since 1985 and a member of H.A.P.C.O. (Landlord Association). He became a licensed Realtor in 1992 and a member of the Local, Pennsylvania and National Associations of Realtors. Anthony DiDonato is also a member of the Computerized Multiple Listings, (MLS) and Internet Marketing Programs. In 1997 Anthony DiDonato became Century 21 All-Elite, Inc. Corporate Secretary. Anthony DiDonato believes in taking his profession to the highest level of quality service. 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Skilled, smart and enthusiastic about his work and his life, Anthony DiDonato has the appealing combination of business sense and people skills gives him an edge in an industry that demands both. Educated at Drexel University with a dual major in accounting and finance and minors in management and psychology Anthony DiDonato offers over 25 years of experience in the real estate industry. He has been a real estate investor since 1985 and a member of H.A.P.C.O. (Landlord Association). He became a licensed Realtor in 1992 and a member of the Local, Pennsylvania and National Associations of Realtors. Anthony DiDonato is also a member of the Computerized Multiple Listings, (MLS) and Internet Marketing Programs. In 1997 Anthony DiDonato became Century 21 All-Elite, Inc. Corporate Secretary. Anthony DiDonato believes in taking his profession to the highest level of quality service. He is known for finding that \u201cperfect\u201d property in Philadelphia, Delaware County, Chester County, Montgomery County and surrounding areas in Pennsylvania for his buyers and helping his sellers prepare their properties so they sell quickly and efficiently. When it comes time to negotiate the terms of a contract, Anthony DiDonato has the knowledge, experience, and professionalism applied to meeting \u2013 or exceeding \u2013 his clients\u2019 expectations. His service to his clients is second to none. His honesty and integrity have been his claim to fame. 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