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First Time Home Buyer

First time buyers have an abundance of programs available in the Warren County area. Most programs are limited based on the participant's incomes. However, these limitations are normally generous and a majority of first time buyers can take advantage of these programs.

THDA (Tennessee Housing Development Authority) offers four different programs. The "Homeownership" program is designed for low and moderate-income borrowers. The "Start" program is designed for VERY low-income borrowers. In addition, THDA offers a "Plus" second mortgage in conjuction with the Homeownership or Start first mortgage to assist with down payment and in the case of the Start program, the closing costs.

Lower Interest Rates:

"Homeownership" Programs are offered at 7% fixed rate, subject to change, while the "Start" Programs are offered at 5.5% fixed rate, subject ot change.

Lower Down Payment Programs:

Participating lenders allow buyers to buy homes with as little as 3% down! This is far better than the "normal" down payment required to buy a home. With the "Plus", we can eliminate your closing costs too.

Program limitations:

The above programs are generally available to people who have not owned a home in the past three years. Program availability varies. Some programs cannot be used in conjunction with other programs and not all programs may be available at the same time. Call us for an update on what programs are available and best suit your needs.

Special Help for First Time Buyers:

My staff and I take special care of our clients, especially our first time buyers. We will help you all the way through the purchase and closing of your home. We will assist you in finding your home, negotiating the price and terms, finding suitable financing, inspections and closing. We have helped many 1st time buyers find the perfect home. IMPORTANT: We can help you buy any house on the market listed with any Realtor®. Please call us at 931-473-6010 or 1-888-473-6010.

Be sure to check out our pages on Buying a Home, and Financing.

If you are in the military or a veteran visit our Veteran’s Page.

You can also view our Relocation Page , Selling Page or search for a listing.

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If you would like to take advantage of available first time buyer programs and work with a competent agent who cares, please contact us via E-mail or call me at (931) 473-6010.