Look beyond the seller, builder and lender to see if your state, employer or other associations are offering financial assistance.With ads everywhere touting the $8,000 federal tax credit for first-time homebuyers, it may have been easy to overlook other programs that can help home shoppers save big.
The best deals often go to buyers who take a combo-platter approach to home finance. Your state, city, employer and neighborhood improvement association may all have deals that you can tap. Alumni associations and rural development agencies might also help reduce your housing costs.
Don't forget the big three. The seller, builder and lender can kick in some serious sweeteners, according to mortgage brokers and real-estate agents. And don't lollygag: Mortgage incentive programs can change frequently and without notice. It pays to research what's available right now.
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