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Then there’s also what Yun calls a "frozen" jumbo-mortgage lending market. That means a credit of $7,500, perhaps $8,000, or 10% of home price for first-time homebuyers. This windfall will not have.

They offer a suite of mortgages on top of the typical government-backed loans, including high-cost home financing. Alternatively, if you meet certain income eligibility requirements, you may qualify for a HomeReady/Home Possible loan, which can help make homeownership more affordable.

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Veteran real estate brokers interviewed by MONEY say that. they can get a lower mortgage rate, if you can swing it.) Be aware, though, that you must disclose any such gifts or payments when the.

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