If you have a dream about owning your own home and applying for a mortgage then you may be a bit nervous at the present moment. While having your own home is the American dream, the high prices involved can be overwhelming.
Late last year, accompanied by the usual razzmatazz, Gordon Brown announced the Governments new “Open Market Homebuy” mortgage scheme for first-time buyers. Under the Home buy scheme, first time buyers take out a mortgage for 75% of a home's value with no deposit and the Government and the mortgage lender will in practice buy the remaining 25% of the property. Then when the borrower eventually decides to sell the property, the borrower will receive 75% of the net sales pro...
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