Another Loaded question - Do First Time Buyer incentive programs exist for the 1st time buyer in today's market?  I know from a lending end - that certain fee's can be re worked so that the first time buyer does not get hit as hard with certain "junk".

But, we are talking about very small amounts indeed - in fact, so small that you start getting into a customer service issue.  It is like the "on line" lenders - How can you go into their office and speak with the person that ran you through the ringer and did not give you what they had promised????

My Dad used to say, "I am not rich enough to buy cheap things..." - I am sure he also was thinking of Service Oriented Industries and how much his time was worth.