Home Buyer Service

Transaction Assistance

We help throughout
your home purchase to
ensure all aspects are
fair to you.

Available Programs

Each year, over 14,000 home buyers take advantage of federal, state and local programs to help them purchase their first home.

Do I Qualify?

Qualifying is tailored to suit each family's unique situation.

Testimonials

“I had no idea that these programs existed or that I could afford to own a home. You helped me with over $23,500 in down payment assistance, and a very affordable 6% fixed rate mortgage loan. Your help was priceless!”

Mary L.

“We had been trying to purchase a home for years, but with limited credit and no down payment, we just didn’t qualify. I was so pleased when I found out that there were programs which helped us become home owners. If we hadn’t called you, we would still be renting. We are now living the American Dream, thanks to you and your wonderful organization.”

Forever Thankful, Sam and Maria R.

“I wanted to let you know that we are enjoying our first home more than you can imagine! I am so happy that we are now building equity every month instead of paying rent! We were surprised that we became Home Owners so easily. Thank you for helping us with the first time home buyer program and always looking out for our best interest, it really did make the difference!”

Happy Home Owners, Barry and Melinda G.

Contact Webmaster

First-Time Home Buyers

Move from Renting to Home Ownership with Government Mortgage Bonds and Community Based financing with little or no down payment required.

The Key to Affordable Home Ownership. If you earn between $30,000 and $120,000 per year, you may qualify to purchase your first home up to $591,000 using special fixed rate government bond financing with little or no down payment requirements. We specialize in government programs for first time home buyers and can help you from pre-qualifying to approval, and all steps in between. These programs are for any U.S. citizen with good job stability and a credit score of 620 or better who wants affordable home ownership without the risks associated with adjustable rate or variable rate conventional financing.

Your Tax Dollars at Work. Government home ownership financing programs, including mortgage revenue bonds, HOME grant funds and community based incentive programs receive their funding from taxes paid by U.S. citizens and tax free bonds purchased by individuals and Wall Street investors. These programs exist for one reason only: to provide a safe means for qualified U.S. citizens to accomplish their dream of home ownership.

Buyer Ready. Our Home-N-5 program was developed specifically to assist first-time home buyers with becoming "Buyer Ready". "Buyer Ready" is a certificate that you will receive when you have successfully qualified for the government program that we have determined is best suited for you. Our Home-N-5 process includes: 1.) Pre-qualifying 2.) Home buyer education 3.) Lender underwriting 4.) Creating your budget and 5.) Final approval from the primary lender and/or Government administering agency. A "Buyer Ready" certification gives you the ability to purchase a home with no financing contingencies.

The Right Program for You. Home-N-5 gives you access to all available government first-time home buyer programs, including but not limited to HFA mortgage bonds; NHF Access mortgage bonds; PERS for public employees; STRS for government-employed educators; TCAC tax credit allocation; FHA First Home; My Community; VA/Vet mortgages and bonds for military employees (current and retired); and Flex 100. There are additional community, state and county-specific programs that receive partial funding from various government entities that allow borrowers to qualify with partial un-documented income; alternative credit supplements; and no Private Mortgage Insurance (PMI).

Are You Ready for Home Ownership? If you are ready to make a commitment to transition from renting to home ownership, then we are ready, willing and able to help you live the American Dream. Please take the time to review the information contained in this web site and feel free to contact us, pre-qualify or call us toll free at 800-608-9833 for specifics on how to qualify and what’s available to you. You can also talk to a participating Home-N-5 Realtor® in your neighborhood who can answer any questions you may have and help you get started by completing our Home Buyer’s Application Kit.

Sincerely,
Michael Lewis
Owner-President
Home Buyer Service

P.S. Be sure to read the article about us in the Orange County Register.

Home Buyer Service

Transaction Assistance

Assistance Information

Available Programs

Available Programs

Do I Qualify?

Details About Qualifying

Testimonials

First-Time Home Buyers

Learn more about the Home-N-5 Program

About Us \| Contact Us\| Tell a Friend Home Buyer Service Transaction Assistance We help throughout your home purchase to ensure all aspects are fair to you. Assistance Information Available Programs Each year, over 14,000 home buyers take advantage of federal, state and local programs to help them purchase their first home. Available Programs Do I Qualify? Qualifying is tailored to suit each family's unique situation. Details About Qualifying Testimonials “I had no idea that these programs existed or that I could afford to own a home. You helped me with over $23,500 in down payment assistance, and a very affordable 6% fixed rate mortgage loan. Your help was priceless!” Mary L. “We had been trying to purchase a home for years, but with limited credit and no down payment, we just didn’t qualify. I was so pleased when I found out that there were programs which helped us become home owners. If we hadn’t called you, we would still be renting. We are now living the American Dream, thanks to you and your wonderful organization.” Forever Thankful, Sam and Maria R. “I wanted to let you know that we are enjoying our first home more than you can imagine! I am so happy that we are now building equity every month instead of paying rent! We were surprised that we became Home Owners so easily. Thank you for helping us with the first time home buyer program and always looking out for our best interest, it really did make the difference!” Happy Home Owners, Barry and Melinda G. Terms of Use Contact Webmaster Copyright © 2010 HomeBuyerService.org All rights reserved.	Home \| Home-N-5 \| Pre-Qualify \| Credit & Debt \| FAQ \| Realtors \| Podcast
	First-Time Home Buyers Move from Renting to Home Ownership with Government Mortgage Bonds and Community Based financing with little or no down payment required. The Key to Affordable Home Ownership. If you earn between $30,000 and $120,000 per year, you may qualify to purchase your first home up to $591,000 using special fixed rate government bond financing with little or no down payment requirements. We specialize in government programs for first time home buyers and can help you from pre-qualifying to approval, and all steps in between. These programs are for any U.S. citizen with good job stability and a credit score of 620 or better who wants affordable home ownership without the risks associated with adjustable rate or variable rate conventional financing. Your Tax Dollars at Work. Government home ownership financing programs, including mortgage revenue bonds, HOME grant funds and community based incentive programs receive their funding from taxes paid by U.S. citizens and tax free bonds purchased by individuals and Wall Street investors. These programs exist for one reason only: to provide a safe means for qualified U.S. citizens to accomplish their dream of home ownership. Buyer Ready. Our Home-N-5 program was developed specifically to assist first-time home buyers with becoming "Buyer Ready". "Buyer Ready" is a certificate that you will receive when you have successfully qualified for the government program that we have determined is best suited for you. Our Home-N-5 process includes: 1.) Pre-qualifying 2.) Home buyer education 3.) Lender underwriting 4.) Creating your budget and 5.) Final approval from the primary lender and/or Government administering agency. A "Buyer Ready" certification gives you the ability to purchase a home with no financing contingencies. The Right Program for You. Home-N-5 gives you access to all available government first-time home buyer programs, including but not limited to HFA mortgage bonds; NHF Access mortgage bonds; PERS for public employees; STRS for government-employed educators; TCAC tax credit allocation; FHA First Home; My Community; VA/Vet mortgages and bonds for military employees (current and retired); and Flex 100. There are additional community, state and county-specific programs that receive partial funding from various government entities that allow borrowers to qualify with partial un-documented income; alternative credit supplements; and no Private Mortgage Insurance (PMI). Are You Ready for Home Ownership? If you are ready to make a commitment to transition from renting to home ownership, then we are ready, willing and able to help you live the American Dream. Please take the time to review the information contained in this web site and feel free to contact us, pre-qualify or call us toll free at 800-608-9833 for specifics on how to qualify and what’s available to you. You can also talk to a participating Home-N-5 Realtor® in your neighborhood who can answer any questions you may have and help you get started by completing our Home Buyer’s Application Kit. Sincerely, Michael Lewis Owner-President Home Buyer Service P.S. Be sure to read the article about us in the Orange County Register. Learn more about the Home-N-5 Program