Hello we are first time buyers with no credit built yet, we want to get a house for our little family.

Congratulations to your family! Buying a home is easy. You just need a good guide. There are ways to buy without credit. Please reach out.

Sure, start house hunting. But you may want to wait to apply for your mortgage preapproval until after June 25. That’s when Fannie Mae launches new credit requirements likely to help first-time homebuyers get a mortgage. Even those with no credit scores.

Michelle Hatcher
Realtor/Buyer's Agent

Credit is certainly important when it comes to qualifying for a home loan. I would recommend asking a good loan officer to help, as many have access to different credit scenarios.

No Credit No Problem. We can set you up a FREE appointment with our CREDIT Specialist to set up a unique plan that will get you Ready to home-ownership.

Hello Yesenia, the short answer is yes. However, there are a variety of factors that allow you to qualify to purchase a home. I specialize in First Time Home Buying and I am very knowledgeable on the variety of ways to qualify. As most have mentioned the first step is to speak with a lender. My preferred lender is Gateway Mortgage (hchomeloan.com). They have some done some amazing things for my young clients.

The best part is that we have a ton of options to assist with your down payment. We can help you get GRANTS (money for you home that you DO NOT have to payback). In fact one client received a $15,000 dollar grant for their home purchase. Don't hesitate to contact me with any questions...You may email me through my website, www.maverickhoustonrealestate.com , click the link in upper right hand corner, or call/text 713-805-6549.

Thanks,
Mark A. Villarreal

Congratulations on choosing to purchase as apposed to renting. Let me ask you, Are you or your significant other a Veteran? In regards to your credit, there are several options to choose from when seeking credit repair services. You have to choose the one that meets your individual needs. Another consideration is good credit and bad credit mean different things to different lenders. For example one lender may be able to work with your credit score while another will not. There are other organizations that will lend funds to individuals with not good credit. I hope this helps...

You should contact a Loan Officer they can guide you. On what to do and what not to do. Best of luck!

Yes, you can buy a house. I can help you! Please, call me at 787-397-7091.

Hi, If you have a steady job and i know some lenders who can sit with you and get all the details they need to help you to build your credit in few months which you will need as they say. Also extra help from any side of family members who is ready to co-sign as a Guarantor might be helpful to the Lender.

Hi There!

Congradulations on deciding you want to invest in your future! Buying a home is a big step, but it doesnt have to be scary. With the right Realtor, Loan officer, and Title company, it cana very exciting time for you and your family.

I would love the chance to speak with you at your convenience and talk to you about my team and how we can help you.
Please contact me at Chandler.Hanson@kw.com or call me at 832.392.4895

Check out my HAR profile to see what my clients have said about me as a platinum agent! I hope to be your Realtor and look foward to hearing from you!

Have a blessed day!

Buying your first home can be so exciting and so scary all at the same time. But don't worry, we handle families like yours all the time. The first thing is to build your home buying team, beginning with a Realtor and a Lender. I like to work with Chris Bonin of NewCity Mortgage. With a very simple online application Chris can get you pre-approved and let us know how much you can afford (and should) spend. He has access to many first time home buying grants to assist with down payments. At that point, we will have some conversations about what you want and where you want to live. And then the fun begins, we start looking at houses. Once we find THE house, other members will join your team (the inspector, appraiser, etc.) The important thing to remember is that you are not in this alone. Your home buying team will stay with you from the beginning until the last moving truck pulls away.
Should you have any questions please give me a call. I would be delighted to help your family find a first home. How exciting for you, this is your year!
Linda Ferguson
Ferguson Fisher Group
832-654-4893

I work with first time home buyers all the time and would be happy to discuss with you. One way to build credit is to get a credit card. Make sure you can pay it off each month. Don’t ever cancel a credit card. This will hurt your credit. Please call me to further discuss.

Melinda Gordon
Bernstein Realty
713-256-9145
Mgordon@bernsteinrealty.com

Great question Yesenia. I would love to guide you in the process of purchasing a home. I have helped several first time home buyers with a similar situation. Please contact me at 281-795-2171 at your convenience because the answer depends on your situation and would like to get more information from you to best help you. Feel free to call or text or if you prefer email at homebyjudith@gmail.com. I look forward to helping you.

Hi Yesenia
If you are a first-time home-buyer, navigating all the new information about home-ownershi, the home buying process, and mortgages can seem overwhelming. If you are beginning the mortgage shopping process but have no clue as to what information you'll need and whether or not you'll even qualify, here is some information that may make the process a little smoother.
Will I Qualify for A Mortgage?-There are essentially three things that lenders look at to determine whether or not you qualify for a mortgage.
Income Verification
When purchasing a property, all income of a home-buyer must be validated by a mortgage underwriter in order to receive a loan. Income verification can be done using several types of documents such as a W-2 statement, paycheck stubs, or income tax statements that show proof of income. These documents usually will have to span a period of two years or more to show you have a history of a steady income. Income proof can include such things as child support payments, disability payments, or income from the Social Security Administration. These additional monthly payments can increase your potential to qualify for a mortgage, as well as the amount you will qualify for, but like regular income, must be validated in order to count.
Debt-To-Income Ratio
Another important factor in getting a mortgage will be your debt-to-income ratio. This involves looking at your total debt load and monthly payments, including car payments, credit card debt, and any student loan debt. If the ratio of debt exceeds 40 % of your income, you will likely have to pay off some debt before you will qualify for a loan. In this case you may want to seek out the advice of a financial advisor to help with this process.
Credit History
The final consideration that lenders will take into account in determining whether you qualify for a mortgage is your credit history and score. Call me an I will share some great information and tips with you!

Hello Yesenia, congratulations on your goals to buy a home, I work with first time home buyers and would like to assist buy a home! The first step is to get witha lender to get a pre-approal. I work with lenders that can offer you options.
My direct number 713-878-9835
Anna Solis Miller, Realtor

Hi Yesenia -
What a great question. Open your first credit card account. If you have already established some credit history, look for a card with a low spending limit, which may be easier to qualify for if your credit history is limited. Make small charges that you can easily pay off right away, and pay the balance in full every month. This will help build a profile on your credit report of responsible credit use and reliable payment.

The thought of Home Ownership is exciting and sounds like you are on the right track. You definitely deserve realtor representation and a great realtor will provide you with options to meet your short and long term residential goals and to make credit repair suggestions. My clients appreciate the knowledge and patience I bring to them when I help them achieve their goal of buying a place to call home. You may not realize this but for me to represent you as your buyers agent, my services are free. Most buyer rep services are at no cost to the buyer. Like lots of these REALTORs have said, it is true, there are first time home buyer programs and down payment assistance programs available too. I would love to help you and/or point you in the right direction to help you to build some credit. Its a little challenging to explain via text without knowing more information about you. Please contact me at your convenience for your FREE No Obligation Consultation. susan@susangar.com 281-726-2665

I was in your position a few years ago. We found a lender that considered our education and history of paying all of the utility bills in a timely fashion. I also had a client in your position and the lender was able to do a loan. Ask your Realtor for a list of lenders and find one that will mee your needs.

I specialize in first time home buyers and assist in helping them with down payment assistance programs. I also have a team for credit repair who can help assist in building your credit. We can have you ready to move in your new home, this year.

Hello Yesenia, buying a home is a huge step, congratulations! I purchased my first home at 23 years old without a spouse. My realtor told me I would not qualify for a house with my income. Because I was determined to make this purchased, I suggested she give my application to a lender and allow the lender to make the final decision. As mentioned already the first step is to contact a lender and get pre-approved. I was pre-approved and was so excited to start my search for a home. The next step was to select a realtor that would advise me in selecting my first home. I sure would enjoy sharing this first time home buying experience with you and your family.

What area of Houston are you looking to buy? How much are you renting for currently?
Please call me at 281 352 4712 and we can discuss the type of home most suited for your little family and the price that will be economically feasible.

Congratulations on wanting to buy your first home however the big elephant in the room is credit. Set an appointment to meet with me I help first time buyers from credit to closing. Text or call 2817609879 Bennie Chukwurah with realm real estate professionals Sugar land Tx. Https://www.bennieandassociates.com

Call me 832-465-2566

Congratulations on your decision to purchase your first home! I have worked with several 1st time buyers! Its one of my specialties. There are several key steps involved when buying your first home. Three key initial steps are: 1. Selecting the right agent to help you, and 2. Finding a good lender. Lenders are the most qualified to explain what you need to do to qualify for a mortgage. This process is different than building credit for others purchases and things! 3. Getting pre-pproved/pre-qualified.There are so many different mortgage companies out there. It can be overwhelming. However, my thoughts are that obtaining an experienced loan officer is the key to getting approved for the best loan for your family. As a salesperson, I have experienced some great lenders. I always share at least 3 different mortgage lenders so you can research and select the best lender for you! Feel free to email, text or call me. I'd be happy to assist you share my preferred lenders that have helped my past clients! I also have some great checklist to share with you. (e.g. Do's and Don't when getting ready to buy, and other helpful information). My contact information is Agentdionnesames@gmail.com or 832-334-7030! Finally, when buying, typically sellers pay for the brokers fees, so that's one less expense for your family!

Hello Yesenia,

It is possible to purchase a home without traditional credit. I have lenders that offer a variety of programs for all types of borrowers.

I specialize in, and have been assisting first time buyer’s become home owner’s for over 16 years. Feel free to contact if you’d like more information.

Sincerely,
~Yolanda Robertson, Realtor~
RE/MAX 5 Star Realty
713-205-4350

Thank you for reaching out on HAR.com. You will find a lot of professionals in this portal that can offer very valuable knowledge and answers to all of your real estate questions.
Building good credit and putting together a plan to own a home is the most important to get you on the right track.
There are many questions I have for you before I would send you to one of my lending partners.
You may even qualify for first time home buying assistance with down payment, closing costs, etc.
Feel free to reach out to me when you are ready.
All the best,
Teresa

Teresa Trueblood, Realtor®
Cell: (832) 671-6833
Office: (832) 678-4770
CB&A, Realtors
InConcert Team
10200 Grogan's Mill, Suite 125
The Woodlands, TX 77380

"Helping people find their way home"

Feel free to contact me Evelyn Wise / Realtor 281-667-5927. I can walk you through the process of buying your first home. So exciting!
Thank you ????

Hello Yesenia,

The true "first step" would be to speak with a lender. One of the key elements in determining if you can obtain a mortgage for your first home is your credit report (credit scores). With nothing to view, a lender can't see any history of you paying back debt. There will be some lenders that might be able to determine your ability to pay back debt in other ways, but most will need to see something on a credit report. Some will assist you and provide tips on how to create some history quickly.

You might be surprised that you might have some history and not even know it. Again, a good lender that works with 1st time home buyers can explain how to do this. I'll include a link below to my website and a few lenders you can reach out to. They all are patient and can help you...no charge! Once you have the financing established, then the fun part can really begin as far as looking at homes. Be patient, keep saving money as best you can, and get with one of those lenders soon.

Once you have done this, please feel free to reach out. We could meet at my office for an hour to discuss the steps to get your family into your first home!

Mark McNitt
MarkKnowsHouston.com
832-567-4357
Bernstein Realty

Hi! Contact me for help with the process. I have contacts to very helpful and responsive lenders. I’ll be with you every step of the way.

Hello Yesenia,
My team works all over Houston and Sugar Land and we are very good at explaining the home buying process to first time buyers. We have contacts with reputable lenders, which would be the first place to start. My first choice in lenders is Georgia Dragonir with Hometown America Mortgage (832) 492-2222. She is very experienced and can take excellent care of your family. Once you get your finances in order, we can find you a wonderful place to live. My colleague Rosa Nunez is bilingual as well in case any of our clients prefer to speak Spanish. Please call me at 281-305-9023 and our Greater Houston Living Team will be at your service.

Sincerely,
Kristen Manz
Kristen@GreaterHoustonLiving.com
281-305-9023

I would love to assist you and your family in your purchase. There are plenty of lenders and programs out there to help first time buyers with down payment assistance. I know of a couple I could recommend that will always answer their phone when you call with questions or concerns. Give me a call tomorrow and I will set you up with the first steps, and if for some reason buying isnt right for you right now, I can help you find a rental.

713.726.4107

Hi Yesenia,

Buying a home can be such an exciting event in your life and family. I work closely with first time home buyers and there are many opportunities out there that I can help with.

Let's talk and see how I can assist you with.

Best of luck!

Angela Villafranco
Hablo Español
The Jennifer Wauhob team
Gary Greene

Hi, I can help you! Yo hablo espanol! Call me 7133924032

Hello,
This is awesome that you want to start the process of being a home owner. I work with Brian, Mortgage Lender with Flagship who can walk you through this process of your options. Please give me a call at 281-782-6845. Speak with you soon.

Hello
I specialize in First Time Home Buyers, and I have lenders offering up to 30,000 towards down payment & closing cost.

Call or text today (832)396.1618
Mary Jackson, Realtor
Texas Premier Realty

Hello!

Congratulations on plunging into the adventure of home ownership! Once you become a homeowner you won't ever want to go back to renting.

My recommendation is to begin the process by speaking with a lender. That professional can give you an idea of what loan amount for which you qualify, provide advice and tools on how to establish credit as well as suggest programs beneficial to a first time home buyer.

My go to lender is Brenda Kees with Highland Residential Mortgage. She is a wonderful lady, very patient and helpful. I suggest you reach out to her and see what she has to say. Contact her at 713-806-6628 or visit her website, www.applywithbrenda.com. I will let her know to expect your phone call.

Finding the perfect home can be lots of fun and equally as daunting. When you are ready, I would be honored to guide you through the process. Of course, if there any other questions I can answer in the interim, do not hesitate to ask.

At YOUR service!
Cathie Bortz
Realtor
Gary Greene Realtor's Multi Million $ Producer Club 2018
Howard Hughes Producers Club 2019
Cathie.Bortz@garygreene.com
281.744.4879

Opening Doors to YOUR Future!