If you’re a first time home buyer in Alabama, you have numerous options and opportunities ahead of you. With bad credit, your first home purchase can be stressful, complicated, and time consuming. Our Home Buyer Program has the answers that will help make the home buying process easier. Our Program has the tools that will help get your score where it needs to be and help you fulfill your dream of becoming a homeowner.
How does the Alabama Homebuyer Program Work?
Removes negative items from credit reports.
Rebuilds credit with positive trade lines.
Provides guidelines on how to maintain good credit.
Finds the right mortgage broker to help complete the home purchase.
Helps outline and better understand the rights under The Fair Credit Reporting Act.
If you’ve never purchased a home before, you may be uncertain about what steps to take to secure a home mortgage or you may not have the credit it takes to obtain a mortgage. Our program provides a comprehensive first time home buyer checklist to help you work through the process. The most critical steps are outlined here.
Decide how much you need to borrow.
Know your credit score.
Know that the loan amount you need will depend on your income and the home you plan to purchase