What a great time to be a first time home buyer! 

As an agent that specialized in serving first time home buyer, I'm here to tell you that this may be one of the best times to buy.  A lot of real estate markets have had drastic price adjustments over the last couple of years and are at or close to the bottom in price and no where to go but up.

The mortgage rates and lender programs are great.  We work with a mortgage broker that still offers a zero down mortgage, no this is not from some third world bank it is a USDA backed loan.  This mortgage officers company also has a great program called the Rainy Day Foundation, this is a mortgage protection program.  It covers up to six months of your mortgage payments in the first 24 months of your mortgage should you become involuntarily unemployed.  This is FREE to you when you get a mortgage with this lender.  If you have any questions about this program or are looking for a loan officer and would like some assistance please feel free to contact me. 

Valentina Hendrickson