If you are going to be a first time home buyer, you may want to check out Mass Housing. You can get a loan with as little as three percent down with a low end credit score. Educate yourself and click onto
www.masshousing.com
First time homebuyers in the city that I live in, are very fortunate that they can get a 10,000 dollar no interest loan from the city, that would be paid back when you re-sell your home and come from the proceeds of the sale. This loan can be used for the down payment. Of course you need to qualify and stay within certain income guidelines.
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