This mortgage is the hassle free mortgage. According to some sites these type of mortgages guarantee lowest possible rates in industry. But some people think that the process of getting these loans is very tiring and full of confusion. But to tell you it’s other way round you need to do some planning and preparation for these type of loans and choose the right one. Even if you have Bad credit you can still apply for these loans but it may cost you higher interest rate. To choose the right mortgage First Time Home Buyer mortgage lenders will help you.