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Question: What is the recommended down payment for a first time home buyer ? Trying to get all the benefits of first time home buyer clauses and such

Answer: I don't know where Joe gets his information, but there are plenty of FTHB programs that don't require the buyer to be low income. Most programs are based on local income figures. For instance: In Oregon, the income qualifications in Portland are much different than in Lakeview, a small rural community. I would recommend you talk to a local lender (internet lenders will not know about local programs) about what is available to you in your area.


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