hi me and my wife are looking to buy are first home and we have some bad bebit but are ccscore is like 630 or soo what is the out there to get a home with no mony doun

USDA is a great way to go in this case, and if you can find a lender offering it below the typical 640 credit threshold then it's worth a phone call. The problem is that you are limited to where you can live, and the particular house you can purchase.It's hard enough to find the right house out there, and putting restriction on it makes it tougher. Having pre-approved financing and good real estate agent can help you considerably.Another ZERO DOWN program (an my personal favorite) is a VA loan, which is a FANTASTIC progam if you are eligible. Some other items for your consideration: Meet with a professional and find out exactly what is going on with your credit.It may be best to figure out why your score is so low, and fix it. Obviously I can do this for you, and I would spend the time to at least get you the answers that you were seaching. Knowing the details of your creidt is important beyond the obvious because a low score can typically mean a higher rate.. and zero down means an even more expensive loan process. The reality is that at 630, your score isn't that far from where it need to be in order to easily fold into some of the really low interest rate programs available for first time homebuyers. It will be a challenge to purchase anything with ZERO down, especially if you are credit challenged. That being said, a little change on your credit bureau can make a big difference. Yes, you may have to still put some money down on the home in some cases, but the overall payment, fee's, and interest you will pay will can be significantly less as a result of being in a better qualified program. I hope this was helpful, and I wish you the very best. Please feel free to reach out to me if there is anything I can do.

Hi DavidAs mentioned in the answers previously, USDA/Rural Development program is a government program and allows 100% financing if you met income and property location guidelines. FHA still allows 3.5% down payment and that can come from a local or state down payment assistance program, family gift or employer gift. This still allows you to get in with virtually nothing down.I am able to lend in 47 states and would be happy to talk with you further.Patrick McCarthy, Northpointe Mortgage, 866-901-3576