Zillow Advice: Buying Foreclosures - 1st-time buyer needs help finding a mortgage http://www.zillow.com/advice-thread/1st-time-buyer-needs-help-finding-a-mortgage/249557/ Zillow Advice | Zillow Real Estate HelloWith a fair credit you ... http://www.zillow.com/advice-thread/1st-time-buyer-needs-help-finding-a-mortgage/249557/ Hello<br/>With a fair credit you may be eligible for FHA. And for downpayment , there are downpayment and closing cost programs. I am from Maryland, and Maryland as state and surrounding counties have different programs. for repairs, there is also 203 k streamline . They say it has less paperwork. For FHA, if you get money from family it is states as gift and accepted by FHA. You need 3.5 percent. We have just closed a house on <a href="http://www.zillow.com/fha-loan/">FHA</a> and a downpayment <a href="http://www.zillow.com/mortgage/">loan</a> program, that is why I am sharing with you what we have been through. look at the local hoc website in your state or your county, you will see programs there.<br/>http://www.hud.gov/buying/index.cfm <br/>Good luck Thu, 25 Jun 2009 02:18:00 GMT http://www.zillow.com/advice-thread/1st-time-buyer-needs-help-finding-a-mortgage/249557/ 2009-06-25T02:18:00Z You can definately apply ... http://www.zillow.com/advice-thread/1st-time-buyer-needs-help-finding-a-mortgage/249557/ You can definately apply for an <a href="http://www.zillow.com/fha-loan/">FHA</a> 203k this is a purchase <a href="http://www.zillow.com/mortgage/">loan</a> which would include the cost of repairs within the loan amount.&nbsp; I can obtain this financing for you - I've been a <a href="http://www.zillow.com/mortgage/">Mortgage</a> Consultant since 1996, very reliable, dependable and reachable. <br/><br/>[Content removed by moderator due self promotion] Wed, 24 Jun 2009 23:17:00 GMT http://www.zillow.com/advice-thread/1st-time-buyer-needs-help-finding-a-mortgage/249557/ 2009-06-24T23:17:00Z