The Problem with "First Time Home Buyer Programs", I don't know. The Title seem it would get your attention. Now that I have your attention I would like to speak to the 1st Time Home Buyers. Buying a Home takes careful Planning. Before you start searching for a Home do the Following:
*Write down a Wish-List of what you must have in a Home( #of Bedrooms, Bath, Single Family Residence, Condo, Location, etc.)
*Get a Credit Report( Lenders would like to see a Mid FICO of 640)
*Save your Down Payment. How much to save? This Depends on the Loan Program you want, you should save between 3.5% - 20% of the Purchase Price. Remember to save a little Extra for Closing Costs.
*If your Leasing, be sure not to break your Lease.
*Now its time to Hire a Real Estate Agent.
For All your Real Estate needs, 1st Prime Realty can help. 619-581-4255, CA BRE LIC 01456248