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Written by Keith Easley
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What can your state do for you when it comes to home loans? All states offer some sort of program when it comes to first time homebuyers. These programs are intended to lower the down payment requirements, which in some cases can be more than the average household can afford. Not only can a state loan program substantially lower your down payment, but it also helps out when it comes to the interest rate of the loan. Depending on where you live and a few other factors, these programs might differ from one another, but they are all meant to offer a homebuyer assistance when needed. 
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Written by Beth Reynolds
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 Three Issues To Consider Before You Apply For A Loan . Number one, and this is the most important—be sure to pay your bills on time. More than one-third of your credit score is based on your payment history, and the later you are in sending that payment, the more points you lose. Negative items will can affect your score for up to 7 years, but as time goes by their impact does lessen.
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