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What options are there for buyers with no money down and no cash for closing costs?

 Although there are some new programs that allow buyers to purchase a home with little or no cash, you will generally need some funds for down payment, closing costs or both. Since a mortgage payment will take a good percentage of your income, lenders will usually want you to be "involved" (meaning having your money involved) from the very beginning.

 


 7 Step list:

 1.       Get a copy of your credit report;

2.       Get pre-approval on a home loan;

3.       Find a good house inspector;

4.       Get an Estate Agent if you cannot find a home on your own;

5.       Find your home;

6.       Negotiate your price

 7.       Plan your moving;

 

  Allied Mortgage Home Mortgage - Georgia home loans for first time home buyers. Down payment assistance and Zero down loans.

  Texas Residential Mortgage - Low rates and great service.

  Southwest Properties - Down Payment Grant Programs for Texas homes.

  EverydayWealth - The Only Complete Credit and Debt Solution, paired with a POWERFUL Wealth Creation System.

  Texas Home Loan, Dallas Mortgage - Premier Texas home loan, Dallas mortgage loan provider.

  American Mortgage - Provides a full compliment of residential mortgage products and services.

  American Mortgage - Provides Mortgage for New Purchase, refinance and Equity loan.

  Americas Hometown Mortgage - They work with over 100+ lenders and are always available to answer questions.

  TexasCarteret.com -Texas Lenders Compete! Submit one simple form, get quotes from up to four lenders.

  Home Source Mortgage - Home Source Mortgage is committed to helping you find the right mortgage product for your needs.

  Texas Mortgage Home Loans - Offering Texas mortgages, home loans, refinance and debt consolidation for all areas of Texas.

  Universal Loan Services - Help customers with marginal credit and little or no credit down become homeowners in Texas.

  First Southwest Mortgage - A Texas mortgage Company. A local lender committed to low rates, no points, no hidden fees.

  Paul Marshall - Smart Home Buyers DFW.Com [ Dallas]  - Buy a home. Get a home loan Dallas, Texas.

  New Frontier Financial Inc  - Offering a huge assortment of mortgage products in commercial & residential financing including fixed rate, adjustable rate and more.

  Texas Mortgage  - Financing for new construction, purchases and refinancing with cash out for improvements and debt consolidation. & residential financing including fixed rate, adjustable rate and more.

  FortWorthLender.com  - Help you whether you are buying a house for the first time, building your dream home, refinancing your existing house or need help finding an experienced real estate agent.

  Austin Texas mortgage Guide  - Information from shopping for a mortgage, to closing your loan.

  The Mortgage Directory - Provides a directory of local and online mortgage lenders offering mortgage loans. 

  Lifestyle Mortgage LLC. - Discount of up to $ 250 is based on the number of application steps completed online and will be applied toward your closing costs if you apply online and your loan funds with Lifestyle Mortgage LLC. 

  SPENDonLIFE.com - Offers up to 4 free quotes on home loan quotes as well as insurance quotes and credit reports. 

  Acceptance Financial, Inc.  [ Flower Mound ]

  Acceptance Home Financial Services, Inc.   [ San Marcos ]

  Alpha Mortgage USA, Inc.   [ Dallas ]

  AmeriCare Financial Mortgage Corportation   [ Fort Worth ]

  Approved Mortgage Association, Inc.  [ Dallas ]

  Austin Home Loan   [ Houston ]

  Bankers Financial Group   [ Dallas ]

  Barroso Mortgage Co.   [ Houston ]

  Capital Security Mortgage   [ Houston ]

  Carlyle Funding - D/FW  [ Grapevine ]

  Commonwealth Mortgage Co.   [ The Woodlands ]

  Cornerstone Mortgage Company   [ Houston ]

  Dallas Creative Mortgage Solutions   [ Dallas ]

  Dallas Mortgage Associates   [ Dallas ]

  David Romero - CTX Mortgage   [ Dallas ]

  Executive Home Mortage   [ Dallas ]

  Fidelity Mortgage Services Corporation  [ Kingwood ]

  First Bank of Snook  [ College Station ]

  Home Team Lending  [ Dallas ]

  Houston home Loan  [ Houston ]

  Interstate Mortgage Corporation   [ Seguin ]

  Metropolitan Capital Advisors, Ltd.   [ Dallas ]

  Mid-Cities Mortgage Corp.  [ Hurst ]

  Mission Mortgage  [ Austin ]

  The Mortgage Broker Company  [ Kingwood ]

  The Mortgage Depot  [ Colleyville ]

  Nortex Mortgage   [ Plano ]

  Oak Tree Mortgage Corporation  [ Austin ]

  Pat Baranski - North American Mortgage Company  [ Houston ]

  Patricia Ahmad- SouthTrust Mortgage   [ Sugar Land ]

  PowerPro Mortgage   [ Abilene ]

  Prestige Mortgage Services  [ Dallas ]

  Reliance Mortgage Company  [ Dallas ]

  RMC Vanguard, Your Independent Mortgage Company  [ Houston ]

  Rocky Mountain Mortgage Company  [ El Paso ]

  Sources Unlimited Home Mortgage  [ Colleyville ]

  Southland Mortgage Company   [ Dallas ]

  Southwest Mortgage Corp.   [ Dallas ]

  Texas Equity Mortgage Company  [ Houston ]

  Texas First Mortgage Network  [ Austin ]

  Texas Internet Mortgage   [ Dallas ]

  Turner-Young Mortgage   [ Weatherford ]

  Vanguard Capital Group  [ Houston ]

  Vision Mortgage Company, Ltd.   [ San Antonio ]

  Ability Financial Services   - [ Kingwood ]

  ABO Mortgage System  - [ Round Rock ]

  Accent Home Loans  - [ Austin, Houston, San Antonio and Dallas ]

  Accent Mortgage  - [ Round Rock ]

  Access Home  - [ Austin, Dallas and Houston]

  Advent Mortgage  - [ McKinney ]

  All Star Mortgage   - [ Plano ]

  Allied Mortgage Capital Corp.  - [ Arlington ]

  Allied Mortgage Capital Corporation  - [ Houston ]

  AMC Mortgage  - [ Odessa, Sugarland ]

  American Mortgage Solutions, Inc.   - [ Houston ]

  American National Mortgage   - [ Houston ]

  American Property Financial   - [ San Antonio ]

  American Reliance Mortgage Co.  - [ Weimar ]

  Americas Mortgage Company  - [ Houston ]

  The AMSC Corporation  - [ Austin ]

  Ascot Mortgage Services, LLC  - [ Dallas/Ft. Worth ]

  Assurance Mortgage Company  - [ Houston ]

  Austin Capital Mortgage  - [ Austin, San Antonio, Houston and Dallas ]

  Best Texas Mortgage  - [ Arlington ]

  Best Texas Mortgage Co  - [ Arlington ]

  BestPriceLoans.com  - [ Lewisville ]

  Bill Winter, American Western Mortgage  - [ Dallas ]

  Blancett Mortgage  - [ Arlington ]

  Calvert Mortgage Corporation  - [ Houston]

  Capital Residential Mortgage   - [ Spring]

  Capital Security Mortgage  - [ Houston ]

  Champion Capital  - [ Houston ]

  City Mortgage  - [ Houston ]

  Classic Mortgage Company  - [ Sugar Land, Fort Bend County, and Houston ]

  Clear Lake Mortgage Info  - [ Houston ]

  CMJ Mortgage   - [ Houston ]

  Colonial Savings Fort Worth Mortgage  - [ Tarrant County ]

  Community Mortgage   - [ Houston ]

  Consumer Direct Mortgage, Inc.  - [ Dallas ]

  Davis-Penn Mortgage Co  - [ Houston ]

  Dfwlend.com  - [ Frisco ]

  Dimension Mortgage  - [ Houston ]

  Equitylink Mortgage Corporation  - [ Kady ]

  Excel Mortgage Corporation  - [ Houston ]

  Executive Home Mortgage Co., Ltd.  - [ Dallas/Fort Worth Metroplex ]

  EZ Mortgage Corp.  - [ Richardson ]

  Financiers Mortgage Group  - [ Richardson ]

  First Financial Mortgage  - [ Houston ]

  First Texas Residential  - [ Sugar Land ]

  First Texas Residential   - [ Austin ]

  Forester Financial  - [ Galveston, League City, Houston ]

  Forrester Financial  - [ San Antonio ]

  Fort Worth Mortgage  - [ Tarrant County ]

  Four M Financial  - [ Duncanville ]

  FSBO Registry  - [ Dallas/Fort Worth ]

  General Mortgage Corporation  - [ Victoria ]

  Greatrate.cc  - [ Houston ]

  Homevest Mortgage  - [ Richardson ]

  House Lenders  - [ Sugar Land ]

  House Locators  - [ Dallas ]

  House Mortgages, Inc.  - [ Houston ]

  Houston Capital Mortgage  - [ Houston]

  Houston Home Lending  - [ Houston ]

  HoustonMortgage.com   - [ Houston ]

  Imperial Mortgage Corporation   - [ Richardson ]

  Independent Mortgage Services  - [ San Antonio ]

  Infinity Residential Funding  - [ Plano ]

  Integrity Mortgage Group  - [ Hurst ]

  Interstate Mortgage  - [ Sequin ]

  JP Capital Mortgage  - [ Houston ]

  Kathy Kelly, The Loan Star  - [ Dallas / Ft. Worth Metroplex ]

  Keller Williams Realty NE  - [ Kingwood ]

  Keynote Mortgage  - [ Tyler ]

   Landmark Mortgage  - [ Plano and Dallas ]

  Leader Home Mortgage  - [ Houston ]

  Lenders Texas   - [ Dallas]

  Lexington Mortgage Company   - [ Longview ]

  LoanEx  - [ Dallas ]

  Magellan Mortgage And Processing  - [ Houston ]

  Market America Mortgage Corporation  - [ Cypress]

  Meritech Mortgage Services  - [ Forth Worth ]

  Milestone Mortgage  - [ Austin ]

  Milestone Mortgage  - [ Houston/Galveston ]

  Millennium Mortgage Services Corporation  - [ Dallas ]

  Modern Home Mortgage  - [ Spring ]

  The Money Center, Inc.  - [ Woodlands ]

  Mortgage Check  - [ Houston ]

  The Mortgage Depot  - [ Dallas]

  Mortgage Finder Professionals  - [ Dallas ]

  Mortgage Fund America  - [ El Paso ]

  The Mortgage Group  - [ Houston ]

  Mortgage Line  - [ Kingwood ]

  Mortgage Masters  - [ Austin ]

  Mortgage One  - [ Amarillo ]

  Mortgage Services Unlimited  - [ El Paso ]

  Mortgages Direct  - [ Houston]

  Mortgages Direct   - [ Dallas ]

  Mortgages For Dummies  - [ Dallas ]

  Muirfield Mortgage  - [ Southlake ]

  Neider Mortgage Company  - [ Houston ]

  New Frontier Financial  - [ Fort Worth ]

  New South Federal Savings  - [ Houston ]

  New West Mortgage Corp.  - [ Fort Worth ]

  NTX Mortgage Group  - [ Plano ]

  Omega Capital Inc.  - [ Carrollton ]

  Optima Mortgage Corp.  - [ Houston ]

  Pacific American Mortgage Company  - [ Dallas ]

  Page Owens, CTX Mortgage Company  - [ Plano ]

  Paramount Mortgage Co.  - [ Clear Lake ]

  Pat Baranski, North American Mortgage Company  - [ Houston ]

  Platinum Mortgage Group  - [ Dallas ]

  Preferred Mortgage Services  - [ Amarillo ]

  Premier Mortgage Group  - [ Dallas ]

  Prestonwood Mortgage  - [ Dallas ]

  Profolio Home Mortgage Corp  - [Dallas ]

  Quorum Financial Services, Inc.  - [ San Antonio ]

  Reality Mortgage  - [ Dallas, Austin, San Antonio, and Houston ]

  Rene Sanchez, Mortgage Lender  - [ San Antonio ]

  Reserve Mortgage and Investments, LLC  - [ Fort Worth ]

  Ryan R. Parker, Directors Mortgage Company  - [ Dallas / Fort Worth ]

  Secure Mortgage Company  - [ Houston ]

  Secure Mortgage Company  - [ San Antonio ]

  Secure Mortgage Company   - [ Spring ]

  Secure Mortgage Company   - [ Houston ]

  Select Mortgage Inc.  - [ Austin ]

  SMI Mortgage  - [ Dallas ]

  Southern Mortgage   - [ Houston ]

  SouthTrust Mortgage Texas  - [ Sugar Land ]

  Spectrum Lending Group, Inc.  [ Houston ]

  Statewide Capital Financial Services, LLC  [ Houston ]

  Statewide Mortgage and Lending   - [ San Antonio ]

  Streamline Mortgage  - [ Plano ]

  Summit Lending  - [ Dallas, Tyler, Houston ]

  Superior Mortgage & Equity   - [ Beaumont ]

  SWBC Mortgage Corporation  - [ San Antonio ]

  Tandem Equity Lending and Mortgage   - [ Dallas, Austin and McKinney ]

  Texas American Mortgage  - [ Dallas/Ft. Worth ]

  Texas Bank Mortgage  - [ Colleyville]

  Texas Liberty Mortgage Company  - [ Bryan ]

  Texas Mortgage Lending  - [ Richardson ]

  Texas Mortgage Rates  - [ Austin, Dallas, Houston and San Antonio ]

  Texas Residential Lending  - [ Galveston ]

  Texas Supreme Mortgage   - [ Houston ]

  TNT Mortgage Consultants   - [ Grapevine ]

  Turner-Young Mortgage   - [ Dallas Area and Weatherford ]

  TWH Mortgage  - [ Southlake ]

  Ultimate Mortgage  - [ Amarillo ]

  Union Capital Mortgage  - [ Houston ]

  Unistar Mortgage  - [ Garland ]

  Urban Financial  - [ Houston ]

  Vision Mortgage Company, Ltd.     - [ San Antonio ]

  Walden Mortgage  - [ Driftwood ]

  Wall Street Mortgage   - [ Houston ]

  WebMortgageLink.com   - [ Houston ]

  World Financial Services  - [ Cedar Hill ]

  World Mortgage Corp.  - [ Spring ]

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