Who Qualifies For First Time Home Buyer Programs

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We recently received an inquiry from a reader asking, "Is the first-time homebuyer tax credit still available. offers different and unique programs, and the specific programs have different.

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Of course, if you have never bought a home before, you are a first-time home buyer. But others can qualify, too. Many programs consider an applicant to be a first-time homeowner if he/she hasn’t owned a home in the past three years, or if the home owned is a mobile home thats portable.

As you consider purchasing a home, you may have come across down payment assistance programs that aim to assist first-time homebuyers. "How can I qualify?" you might have asked yourself. It turns out, you don’t always have to be a first-time homebuyer to qualify, even though it might say otherwise in the name.

Good news for first-time home buyers and repeat buyers in North Carolina: The state offers a loan program that comes with down payment. veterans and surviving spouses. If you qualify, you’ll see.