I’m a first time home buyer / va spouse, and don’t know which way to go as far as financing. Either FHA, or a VA.
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Your question made me chuckle, because it is two separate questions.
The realtor makes whatever his contract states, that’s between him and his broker. Ordinarily, the commission is split four ways, between the two brokerages, and each realtor. Commissions are paid by the seller, not the buyer. So, that really shouldn’t concern you too much. What is vital is finding a realtor who does a excellent job educating you and helps you select a house where you know its condition, recognize how much it is worth, and makes sure you are protected under your contract. You may also want to hire a lawyer to represent you.
As to what mortgage to take, take the one with the best rate.
Call a mortgage broker and shop for your mortgage, just the way you would for a car or anything else that costs you a lot of money.
Please, educate yourself before you buy your first home. Question your realtor a lot of questions, go to the library and take out some books about buying your first home, which will give you information on mortgages, inspections, determining a honest price, etc. Also, you can attend a free seminar on home ownership. Find one in your area.A mortgage broker or realtor could help you locate a home ownership seminar. Best of luck to you.