I can't believe more people are not taking advantage of the first time home buyers program, it's basically free money from the US government to buy a home. Based on 10% of purchase price up to a max of $8000 a person can buy a $80,000 home or above and receive an $8000 check from the government. It's that simple. There are a few more qualifying factors but it really is simple and if you have not owned a home within 3 years, why not take advantage of the free money. Most people think they must have a large amount of money to pay down, but there are programs out there that will still let you buy a home with no money down. Again there are a few qualifying factors, but at Crye-Leike here in Jackson TN we feel we have a one stop shop. We have a mortgage company, two attorneys, CPA, Licensed Inspectors and a insurance company we can recommend. Call us today and we will help you with the process. Call me today and I will personally answer any of your questions.