{"id":4880,"date":"2020-03-26T09:46:16","date_gmt":"2020-03-26T13:46:16","guid":{"rendered":"https:\/\/downpaymentresource.com\/?p=4880"},"modified":"2021-11-24T13:49:48","modified_gmt":"2021-11-24T18:49:48","slug":"what-covid-19-means-for-first-time-homebuyers","status":"publish","type":"post","link":"https:\/\/downpaymentresource.com\/homebuyer-resource\/what-covid-19-means-for-first-time-homebuyers\/","title":{"rendered":"What COVID-19 Means For First-time Homebuyers"},"content":{"rendered":"<div class=\"bg-white block content-wrap theme- pt-xs pb-xs\" >\n    <div class=\"container-fluid\">\n        <div class=\"row justify-content-lg-center cms-styles\">\n                                    <div class=\"col-lg-8 col-xl-7 position-relative\">\n                <ul class=\"list-share list-share-sticky\" aria-label=\"share\">\n                    <div class=\"a2a_kit a2a_kit_size_ addtoany_list\" data-a2a-url=\"https:\/\/downpaymentresource.com\/homebuyer-resource\/what-covid-19-means-for-first-time-homebuyers\/\" data-a2a-title=\"What COVID-19 Means For First-time Homebuyers\"><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fdownpaymentresource.com%2Fhomebuyer-resource%2Fwhat-covid-19-means-for-first-time-homebuyers%2F&amp;linkname=What%20COVID-19%20Means%20For%20First-time%20Homebuyers\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/downpaymentresource.com\/assets\/images\/sharing\/facebook.svg\" alt=\"Facebook\"><\/a><a class=\"a2a_button_twitter\" href=\"https:\/\/www.addtoany.com\/add_to\/twitter?linkurl=https%3A%2F%2Fdownpaymentresource.com%2Fhomebuyer-resource%2Fwhat-covid-19-means-for-first-time-homebuyers%2F&amp;linkname=What%20COVID-19%20Means%20For%20First-time%20Homebuyers\" title=\"Twitter\" rel=\"nofollow noopener\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/downpaymentresource.com\/assets\/images\/sharing\/twitter.svg\" alt=\"Twitter\"><\/a><a class=\"a2a_button_linkedin\" href=\"https:\/\/www.addtoany.com\/add_to\/linkedin?linkurl=https%3A%2F%2Fdownpaymentresource.com%2Fhomebuyer-resource%2Fwhat-covid-19-means-for-first-time-homebuyers%2F&amp;linkname=What%20COVID-19%20Means%20For%20First-time%20Homebuyers\" title=\"LinkedIn\" rel=\"nofollow noopener\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/downpaymentresource.com\/assets\/images\/sharing\/linkedin.svg\" alt=\"LinkedIn\"><\/a><a class=\"a2a_button_email\" href=\"https:\/\/www.addtoany.com\/add_to\/email?linkurl=https%3A%2F%2Fdownpaymentresource.com%2Fhomebuyer-resource%2Fwhat-covid-19-means-for-first-time-homebuyers%2F&amp;linkname=What%20COVID-19%20Means%20For%20First-time%20Homebuyers\" title=\"Email\" rel=\"nofollow noopener\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/downpaymentresource.com\/assets\/images\/sharing\/email.svg\" alt=\"Email\"><\/a><\/div>                <\/ul>\n            <\/div>\n                        <div class=\"col-lg-8 col-xl-7 paragraph-dropcap\">\n                \n\n<p>There are many challenges as a result of COVID-19, but it doesn\u2019t mean you have to put your homeownership dream on hold. This is a great opportunity to use online resources available to get prepared for the home buying process and connect to the right experts.<\/p>\n\n\n\n<p>We answer the most common questions from first-time homebuyers to help guide you during this pandemic.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h3 class=\"wp-block-heading\">How low will mortgage rates go?<\/h3>\n\n\n\n<p>The Fed cut interest rates to 0%, but that doesn\u2019t mean mortgage rates are at zero. While mortgage rates are still very low, lenders are also managing the refinancing demand so rates have been fluctuating. According to many economists, we might expect mortgage rates to <a href=\"https:\/\/www.housingwire.com\/articles\/with-fed-unlimited-mbs-buying-how-low-can-mortgage-rates-go\/\" target=\"_blank\" rel=\"noreferrer noopener\">hit new record lows<\/a> and remain low until this crisis is over.<\/p>\n\n\n\n<p>Your best bet here is to shop and compare your mortgage offers. Your mortgage rate can make a big impact over the life of your loan, but it\u2019s not the only factor to consider. Make sure you ask these <a href=\"https:\/\/downpaymentresource.com\/5-essential-questions-ask-mortgage-lender\/\">five questions<\/a> when interviewing lenders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are down payment assistance programs still available?<\/h3>\n\n\n\n<p>Yes, programs are still available during this crisis. We are seeing many program providers moving homeownership education to online only, taking applications from their remote offices, and temporarily suspending the availability of some programs and rate locks. It\u2019s important that you <a href=\"https:\/\/downpaymentresource.com\/are-you-eligible\/\">research your options<\/a> for your situation and build in some extra time to apply for available programs in your market.<\/p>\n\n\n\n<p>You can read more about the <a href=\"https:\/\/downpaymentresource.com\/the-impact-of-covid-19-on-down-payment-assistance-programs\/\">impact we are seeing<\/a> on down payment programs and how we are keeping our database current.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I do homebuyer education online?<\/h3>\n\n\n\n<p>Yes! This is the perfect time to educate yourself on the process and knock out homebuyer education. The good news is that those options have expanded with more down payment assistance programs allowing online homebuyer education. Plus, once you complete your homebuyer education course, you\u2019ll be a much more prepared and successful homeowner. Homebuyer education certificates are typically good for one year.<\/p>\n\n\n\n<p>If you are using a homeownership program, verify with your lender or housing finance agency what courses are approved.<\/p>\n\n\n\n<p>Here are some good places to begin:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><a href=\"https:\/\/www.ehomeamerica.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">ehome America<\/a> online homeownership counseling.<\/li><li><a href=\"https:\/\/myhome.freddiemac.com\/buy\/finance-your-purchase.html\" target=\"_blank\" rel=\"noreferrer noopener\">MyHome by FreddieMac<\/a> walks you through financing your home purchase.<\/li><li>ReadyNest <a href=\"https:\/\/readynest.com\/homebuyer-resources\/the-test\" target=\"_blank\" rel=\"noreferrer noopener\">homebuyer education test<\/a>.<\/li><li>Keep\u2019s <a href=\"https:\/\/www.keephome.com\/crisis-resource-hub\" target=\"_blank\" rel=\"noreferrer noopener\">special resources<\/a> for homeowners and homebuyers during this crisis.<\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">How can I shop for a home?<\/h3>\n\n\n\n<p>Now that we\u2019re spending more time at home, you might as well own it, right? With social distancing, shopping for a home will <a href=\"https:\/\/www.realtor.com\/news\/trends\/how-coronavirus-is-affecting-home-buyers-and-sellers-right-now\/\" target=\"_blank\" rel=\"noreferrer noopener\">look a little different<\/a>. The situation is fluid, but here are some changes Realtors are making:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>New showing procedures.<\/strong> Talk to your Realtor about procedures in your market. During a showing buyers may be asked to wear gloves and booties over shoes. And, only the Realtor may touch door knobs, light switches, etc. during the tour. Realtors are thoroughly disinfecting before&nbsp; and after showings.<\/li><li><strong>Online home tours.<\/strong> Some Realtors are offering to do live Facetime tours with perspective buyers. We also see more listings enable video and virtual tours so buyers can get a better feel for a space.<\/li><li><strong>New home shopping.<\/strong> If you are looking for a new construction home, check out <a href=\"https:\/\/www.newhomesource.com\/learn\/house-shopping-online\/\" target=\"_blank\" rel=\"noreferrer noopener\">these tips<\/a> for shopping for a new home online.<\/li><\/ol>\n\n\n\n<p>Now is the time for open communication. Stay connected to your Realtor and lender so you are informed as this situation continues to evolve.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Never want to miss a post? For more useful down payment and home buying information, <a href=\"http:\/\/eepurl.com\/ApNcT\" target=\"_blank\" rel=\"noreferrer noopener\">subscribe to our mailing list<\/a>.<\/em><\/p>\n\n\n\n<p><em>Learn <a href=\"https:\/\/downpaymentresource.com\/how-it-works\/\">how we help<\/a> our business partners connect homebuyers to down payment help they need to buy a home.<\/em><\/p>\n\n\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":4882,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[201,63],"home_resource_topic":[373,36,37,39,233,49,44,217],"home_resource_type":[10],"class_list":["post-4880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-down-payment-help","tag-first-time-homebuyers","home_resource_topic-covid-19","home_resource_topic-down-payment-assistance","home_resource_topic-first-time-homebuyers-2","home_resource_topic-home-buying-process","home_resource_topic-home-financing","home_resource_topic-homebuyer-education","home_resource_topic-homebuyer-programs","home_resource_topic-homeownership","home_resource_type-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - 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