If you are in the market for a mortgage and this is your first time around this block, there are some great options available to you. No matter what your income, high or low, there are many programs out there to help you find the perfect mortgage and help you lock in that low interest rate. Here are some places that you can check with to find help with finding that perfect first mortgage:

Your state's housing authority. While you might think that this option is only for people who are looking into low-cost housing, you're wrong. The housing authority in each state offers many different programs and options to help first time home buyers get into that home they've always wanted and get out of the rental market. They offer programs on everything from low-cost housing to investment programs designed to help you save for your first mortgage's down payment. They also offer seminars and classes on how to manage your credit, how to apply for a first mortgage, how to manage your money when purchasing a home, and many other different areas that can be of great value to first time buyers. So, look into the programs that they offer before you head anywhere else. Chances are that you will find something that will help you out.

Local charities and human services departments. Again, you might think that these programs are only for lower income families, but they can offer some valuable services to first time home buyers. They might offer some of the same classes and seminars as the housing authority, but they will also be able to point you in the right direction for some of the government backed mortgages for first time buyers that are invaluable when you are searching for a mortgage broker. If you can go through these programs and ensure that you already have backing through them, it is so much easier to get a mortgage through a traditional lender for your home.

When you contact a mortgage company, ask them about special programs that they offer for first time buyers. Most mortgage companies offer incentives for first time buyers and will even help you to fill out the paperwork for some of the government programs that are available to you. So, before you just get down to filling out the paperwork, make sure that you ask about any programs that they know of or offer to help you.

Don't get discouraged or feel like you can't get help in finding a first mortgage that won't break your bank. There are too many programs out there that can help you with that first time home purchase.