870c369b_y_Spring_BankSandy_Spring_Bank__Disadvantages
[Loan Programs] First Time Buyer Programs [Advantages] Lower down payment Easier to qualify Sometimes you may get lower rates [Disadvantages] 
May be subject to income and property value limitations Some programs which have government subsidies may have a recapture tax if you sell the house too early
Mortgage Products - Sandy Spring BankSandy Spring Bank
Disadvantages