Books For First Time Homeowners Best Lender For First Time Home Buyer Quicken Loans offers a number of programs that make it one of the best mortgage lenders for first-time buyers. It’s one of the largest lenders offering loans under the fha home-buyer program, which accepts down payments as low as 3.5 percent. Additionally, quicken loans offers access to VA loans.InterNACHI's home maintenance book guides the reader through the systems of a typical house, how they work, how to.. Friendly to First-Time Home Buyers.I Want To Buy A Home Mortgage Lenders For First Time Buyers First Time Home Buyer Incentives Texas How Much Can I Afford With My Income Most landlords in New York City require your gross annual income (before taxes) be 40 times your monthly rent. So, for example, if you want to rent a studio for $1,500 a month, you must prove that you make at least $60,000 a year. An easy way to determine how much rent you can afford is to divide your income by 40.First-time home buyer grants in West Texas 1. First time home buyers program (abilene) The city’s Office for neighborhood services program offers up to $5,000 for down payment and closing costs.